Speaking of the market, I've just transferred my pension fund out of cash and into an All-share tracker. I now own roughly 0.00000028% of the market.
I didn't do this because I've a view on valuations, interest rates or corporate profits; I leave futurology to the snake oil salesmen. I did it because Halloween is as a good a buy signal as there is; indeed, pretty much every sector, at least in the US, does better in the winter than summer. And I believe in following rules, not judgment.
The rule hasn't done too badly lately. Sure, since I sold in May the All-share has returned 2.6%. But the half-point excess over cash is, for my taste, a poor reward for the loss I'd have suffered in May.