> gMoney wrote:
> My financial adviser thinks that while the market was overvalued a few years
>  ago, it is now undervalued, and the current downturn is more fear driven
>  than value driven.

Get a new financial adviser.  Seriously.  This is NOT a "who knows"
scenrio.  People know.

Here's exactly why:
-----------------------------------
"We are becoming increasingly concerned that the authorities in the
world do not get it," said Bernard Connolly, global strategist at
Banque AIG.

Yields on two-year US Treasuries plummeted to 1.63% on Friday in a
flight to safety, foretelling financial winter.

The debt markets are freezing ever deeper, a full eight months into
the crunch. Contagion is spreading into the safest pockets of the US
credit universe.

Last week, the spreads on high-yield US bonds vaulted to 718 basis
points. The iTraxx Crossover index measuring corporate default risk in
Europe smashed the 600 barrier. We are now far beyond the August
spike.

Sub-prime debt is plumbing new depths. A-rated securities issued in
early 2007 fell to a record 12.72pc of face value on Friday. The BBB
tier fetched 10.42%. The "toxic" tranches are worthless.

Why won't it end? Because US house prices are in free fall. The
Case-Shiller index for the 20 biggest cities dropped 9.1% year-on-year
in December. The annualised rate of fall was 18% in the fourth
quarter, and gathering speed.

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