All I've got invested in stocks right now is my retirement account, and obviously I don't need that for another 30-40 years. So I'm not too worried. We were at this same DOW average merely 5 years ago, and the markets obviously recovered to an all-time high 1 year ago, so I'm sure we'll be back on track within 3-7 years. You shouldn't have anything invested in stocks that you plan on needing in the next 5-10 years anyway.