Dear Carrie: I moved everything in my retirement account into cash and CDs in October 2007, so I am about where I was 15 months ago. Is now a good time to start putting cash back into equities? — A Reader

Dear Reader: I just took a look at the chart for the Dow Jones Industrial Average for the past five years. On Oct. 9, 2007, the DJIA closed at a peak of 14,164, so I'd have to say it looks like your timing was impeccable, whether by design or by luck. You got out at the peak, an ...

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