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@stbugs said that's why I'm in individual companies. Where else are you going to put your money with rates so low? Here's a list of five companies that are dirt cheap...
T - Earnings steady. Price is a 25% discount to last year. Oh...how about a 7% dividend.
KR - P/E of 8, at or below historical norms. 20% off it's high. People are going to eat.
EURN and DHT - 15-18% dividends. Trading at a south of 3. Oil is not going away any time soon.
CVS - It's run lately but still a P/E of 11. They have stores everywhere and people are always in there.
TSN - Another P/E of 11 with close to a 3% yield Trading over a 1/3 discount to last year. People still eat chicken.
Also if the average person doesn't have money, how can Disney have 73 million subscribers in roughly a year?