I would love to see a decline again like 2009, but there is no driven force to make it happens unless WWIII breaks out. Since gold price is stable and cheaper than last few years, I would buy a lot of gold. If you are not too comfortable where the market is heading, look into buying options 3 years out and buy the stocks when they are heading into decline. I do this with my wife's trading account although we started out very small but it works great for my buying strategy.