One interesting thing I am hearing is that market may start declining when baby boomers start retiring and are force to start taking withdrawals from their 401K accounts. Well that does sound concerning. Just think people will no longer invest their money in stocks? I think not. Baby boomers will still invest but at a slower rate and their kids will get what ever is left. If the market is good people will invest. It is only when you see things like "Fraud", "Credit Default Swaps", "Ponzi", "Greece", "Bubble" that you see people pull money out. In order to make money somebody out their is doing some hidden things that will upset the markets once it is discovered and then the dominoes fall.