The demand for 1995's has been heavy because so many investors stayed out of the market in the four previous years.

So far, investors are staying in stocks, counting on future earnings growth to make up the difference.

If they are selling, or "flipping," their shares within the first day, small investors should probably stay away.

Small investors, the bread-and-butter of the industry, are staying away.

He said that most domestic investors had been staying out of the market.

"Because earnings have held up better there, investors stay in the stocks, even though that is where the collapse will be the greatest."

Those Japanese investors are staying at home, nursing their bad loans.

The stock market weakened this year as foreign investors stayed away, but it has largely recovered.

And so the average investor stayed in, listening to all the rotten advice.

Is the time right to put your money back in the stock market, or should investors stay in hiding?