Timing is Everything

``Stocks, it must be remembered, tend to move inversely with interest rates,'' says Ralph Seger, of Seger-Elvekrog Inc., a financial management firm in Birmingham, Mich. That means, Mr. Seger says, that since short-term rates are now high, any momentum for the market presumably wouldn't come until later in the year, assuming the Fed eases up on interest rates. Seger believes interest rates will peak in the first half of the year.

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