Thanks again Greg.

I put my my superannuation (the AUS equivalent of 401) into a conservative plan after years of it being in a 'aggressive' plan where most of it was allocated to stocks. We're due for a collapse and it felt about right to wait for the collapse to hit, stocks to discount, then opt back into an aggressive plan. :) Seeing as I don't have many stocks at the moment, that's how I'm playing the longer term game.