The recent market conditions have reminded me again of what people often say: it really is hard to predict the market. What if I told you there's a fail-proof method? What if I told you this method achieved 8.1% CAGR* in the U.S. market over the past 10 years? *CAGR = compound annual growth rate 2 weeks ago, the STI Index officially entered bear territory when it dropped to under 2800 points, but stock prices have rallied again and it seems like the index has "recovered". There are some who believe that those who didn't invest then or in the aftermath of Black Monday (both points are highlighted in the chart above) have missed out on the best opportunity to have entered the stock market. I beg to differ. If you asked me, I find the price increases today irrational, especially given the bleak economic outlook for ......