You find the going tough, huh? It is hard to digest, but it is true that when it rains, it pours. Stock markets are down in the dumps, the bulls have been horned, and bears rule the reign. Real-estate mutual funds also do not paint a rosy picture, thanks to the sub prime fiasco. Many have gone bust, and the few still limping around at best turn in negative returns. Hard times are here to stay, for a long time to come. So now, where oh where do you put your hard earned money? Mind you, these are troubled times, and it pays to put paramount importance on preservation of capital than on returns.

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