My Stock Market Theory Right now..

• I recommend to sell gold, starting when the price hits $1700 and thereon. The gold prices will come down within $1000 sometime in the next 5 years. Turn around and buy gold at that time, buy new jewelery and make some money! ( 60% of world's gold was used in jewelery till last year. And most jewelery is in India. There is no way majority of Indian public can afford gold at these prices, so it has to become affordable. Now you connect the dots. Some wise thinking and patience will help).
• You hold cash, it is not earning any interest (.25% to 1% is the norm at banks). BUT, hold it that way. The banks, policy makers want you to feel that way - that it is a waste saving money at these rates, and they want you to spend money or invest in riskier things like stocks etc.
• TIPS, stocks and Treasury Bills: Also, based on where we are – Fed is printing money, interest rates are zero, recession is on, stock market is moving +ve indicating industry making money – how do you keep your money, earn something on it, and still keep it valuable and not depreciate ? here are your options: (TIPS, stocks and Treasury Bills make sense). Read about these to understand them better.
• DIVIDEND PAYING STOCKS: I am sure you can find any number of articles on this subject, so I leave that to you if that is your area of interest. My point here is - In current times, dividend paying stocks are double strong - they pay dividends + they can go up. So make use of this opportunity. Some good ones - Johnson & Johnson, Verizon Communications, Phillip Morris International, AT&T, Exxon Mobil, Chevron, Procter & Gamble, Pfizer, General Electric, and Merck 
• ON WHY I BELIEVE STOCKS STILL ARE THE PLACE TO MAKE MONEY  - Please don’t get me wrong, I DON’T RECOMMEND STOCKS, Mutual funds etc – the wall street. But I do recommend stocks if you stay educated, love reading news, and stay on top of your portfolio. Stock market – it is a market like the ‘sabji mandi’ in India – come BUY your things, and USE them (make money and sell them), don’t take the sabji home and let it rot. Yes, stock market is the only place where you will get the most returns. MIND you, sometimes the returns are NEGATIVE as well. I have been there too. DISCLAIMER – these are solely my opinion!!!.
• Basics of Investing have to be strong in the long run - you should not end up broke. Try balancing the below:
  Keep your principal. Weigh/Analyze your current income. Strategies towards growing your capital. Some play towards aggressive income. Investments tied to growth.
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