GENERATION GAP

Physician-investors who haven'talready given up on the stock marketare hoping that the bear willsoon loosen its grip and that stockswill return to decent gains. But ifyou're putting your money regularlyinto a retirement fund, a more realisticlook at your goals may changeyour outlook, depending on yourage. If you're planning to start dippinginto your retirement stashwithin a few years, a turnaround inthe market can't come soonenough. But if your time horizon is20 or 30 years, it makes some economicsense to root against a bigrally in stocks coming soon. Why?Because your periodic investment isnow buying more shares of cheaperstocks, which will mean biggerrewards when the market upturneventually comes.