But investors have found a host of reasons to hold back.

As a result, many investors may find that not much is changing.

They say that investors can find many good stocks to buy now.

But many investors are now finding that the funds have a down side.

But investors who plan to buy and hold may find that they need the money before maturity.

Many investors may find the budget plan will be costly to them, even if they aren't making a lot of money.

For those reasons, investors who want to take a chance on wine may find a fund the best way to do so.

Rather than sell now, near the stock's 12-month high, some investors may find the trial worth waiting for.

Thus, investors find holding dollars to be less attractive than at any time since the end of the 1970's.

Even though they do not get to call the shots, those investors often find ways to protect their interests.