investing in 2010

Up 50 percent since March 2009, can the Dow keep rising? "We will hit 14,000, perhaps not in a year, but probably in a couple of years," says Robert Doll, global chief investment officer at giant asset manager BlackRock. Here's his thinking.

Here are a few: If you think you can pick winning stocks or mutual funds, or if you intend to rely on a broker or financial adviser to help you beat the market. In general, most people will be far better off if they simply steer clear of the stock market.