Yes I try to invest when the price is attractive.I think the easy capital growth has already been made on most shares since say march this year-a lot of shares have gone up around 40%-I managed to buy a few although I was nervous at time.I think if you look at shares you mention and check the price at March this year they have already appreciated significantly. I am no longer in buy mode as earnings have not come in line with price -yet. I am sure there are some stocks that are lagging and that would include some insurance/investment shares-market needs to hold at these levels for 12 months before their fees automatically increase. I think you need to stock pick carefully-I like a 5% div and a pe of 10 ish-then If I like company,management,history and future prospects then I feel confident to buy-not many will pass that test today.