Haven't been doing fortune telling for STI for some time. This is a simple charting of STI, diagram taken from Yahoo Finance and edited. Taking the 2007 peaks as reference, it seems like that will be a peak in 3rd quarter 2015 or 4th quarter 2017. Adopting a long term view, I think 2017 would be a nice date to fit a 10 year cycle for markets to reach the peak. Even if so, it meant a maximum upside gain of 15% over 3 years, or 5% a year. Risks probably not that worth taking anymore. Personally continue adopting wait and see approach while learning how to deploy and move cash to build business systems....