I've been sitting on almost $200,000 in a money-market fund for several years waiting for "the big correction." I'm getting antsy to invest this cash in a 50-50 mix of low-cost stock and bond index funds, but since I've waited this long I figure maybe I should hang on a bit longer in hopes of buying when stock prices are lower. Should I wait or invest now? What do you think? --C.R., Florida

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