"What sectors are good bets to invest now?Lots of people moved into dividend funds or some REIT.I am afraid I am too late."If you want to learn how to time the market, read joelxwil's posts. If you want to be a passive investor, read anything by John Bogle. If you're somewhere in between, stick around. Good luck finding anyone who can tell you with any specificity what the future holds.-drip
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