This has not been a bad year for investing, to wit:
DJIA up 7.3% annually
NASDAQ, up 15.9% annually
NYSE, up 12.9% annually
S&P 500, up 13.4% annually
FECAX European Capital Appreciation, up 19.0% for the year ended 11/31/12
OAKIX, International fund, up 19.8% for the ame year
XHB, SPGR S&P Homebuilders ETF, up 60.9% for the same year