For anyone concerned that they are missing out on some tremendous upside in stocks, the Dow is now negative for the year. We are six months into 2015, and stocks have basically not returned anything. Consider all of the risk inherent in the market after a 7-year bull market run and grossly extended valuations, and to now have nothing to show for assuming that risk for all of 2015. Investors would be wise to seriously consider these ongoing risks and the pending rate hikes the Fed has told us are coming – two before the end of the year for certain. Stocks appear to me to be in a precarious position and overdue for a serious fall.