Hearing all of your pro's and cons give a sense that none of you know about stock markets and its operations.The common man was never bought on the gunpoint to invest in market it was his greed to make easy irrational return on investement that bought him to the market abt which he knows too less.In markets if you become friendly with trends and not valuations this is ought to happen and to know valuations one has to keep his basics of business alive and intact. Investment is a ruthless and disciplined stream and those misunderstabding markets as a place to earn easy irrational profits will always pay for it. Only advice is dont panic there are good stocks avialable at excellent valuations study them and invest with an horizon of 3-5 years one will have decent returns if you dont understand invetsment try RBI bonds etc where returns are sure. Look before you leap and watch your steps the reason for fallout is in you.