Hubby bailed on the stock market in 2008.

[denverbill]

1. There are obviously no guarantees.

In my opinion, you should move back in, but do so gradually. The market could go up or down 5-25% any time, and I'd hate to have you jump completely back in only to have the market drop 5000 points. The market is going to have it's ups and downs, and you need to look at the downs as buying opportunities. Anytime there is a big market drop, move a bit more back into the market. And always try to keep some money on the sidelines just in case it drops back 2008 levels, because that's when you want to be buying, not selling.

Maybe move 10-25% back in now, wait a month and see where the market is. If it's dropped 5%, move 15-30% back in. If it's gained 5% or stayed about even, move another 5-10% in. Eventually, maybe over the course of a year or two, get the the point where you have about 85-90% in stocks. But always keep some on the side for when the big drops come, because they are going to come eventually.