I may hold BAC and C for some time, but I started to buy TLT from yesterday since I think the market may pull back any time. If the market continue going up, here is what I will do: exchange CND to USD, buy point is 92.5, 95, 97.5, 100, then use USD to buy TLT, buy point is 90, 85, 80. Last thing to remember, the stock market never lack the opportunity, but most investors lack patience, including myself