Cash 4%

Stock/mf 46%

401k/IRA 25%

house 25%

My returns on the stock market has been:

2000 -41%

2001 -22%

2002 -16%

2003  +26%

2004 +19%

2005  +8%

2006  +17%

It was painful lesson between 2000-2002. But since I've put in more $$$ in after 2003, I actually made over $100k in total after 2003. I still think investing in the equity market is better.