Is now a good time to invest in your retirement? Whether you're young or old there is still a risk of losing money. The Stock Market is a risk. However, for younger people the potential for growth is great! Some say this is the best time for young people to get into the market because so many big players have pulled out and stock prices are dirt cheap. What do we have to lose? I know I've begun to invest. However, for older people who's 401k's have already been hit hard, now might not be the best time to re-invest.

John Mauldin, President of Millennium Wave Advisors and author of the popular e-letter, "Thoughts from the Frontline" has something to say on the issue.

You be the judge.