I'm not into gambling with my retirement funds, and keep it very conservative so it will not lose much nor gain much. I transferred all of our retirement investments into Vanguard after I retired, and it's performed satisfactorily for us. Most people lost on an average of 40% last year, but my wife lost only 11% and I lost 17%. I feel very security with our combination of funds now even though my funds are over-loaded in bonds. People keep talking about inflation, but that's not going to happen any time soon; not when money is scarce as it is now. That will not change any time soon, because of the increasing unemployment numbers. Demand is still dropping for most products and services, and the likelihood of increasing prices just isn't in the books.
We will continue to see an easing of prices, because the marketplace demands that to remain competitive.