Peeny I really don't think the average person will jump straight back into stocks either a lot will look at there super there bank shares and go mmmmmm. Confidence will take a long time to get back for joe average to go all in (poker pun). lot will stay in things they know and can see if interest rates stay low and go lower the rental will cover more of the loan. People like to see and be able to look at there investments like gold and silver in there actul hand. A lot won't trust bankers and brokers its easy to say the smart will do it but most will keep what they have got bunker down and ride it out. As a lot of older people (over 40) know what happens in bad times as they have lived through it before and know what to do and know the silly traps not to fall in.