join my personal forum at
http://www.StocksForum.com you'll get better responces.
Anyhow here is the break down on my own personal openion!
Real estate still has about 15 - 20% correction to go.
Commodities are in for a correction which already started id wait on commodities to reach support levels.
well T-bills your actually going to loose money counting in inflation.
Munis - bonds ... coupons/yields are pretty low right now on US tresuries.. unless you want to go corprate bonds..
Your best option is to go long in stocks... when interest rates are so low.. I would buy financials right now if you can wait 3 - 5 years.. you should see at least 20% annual counting the dividends they are paying out.
I would not try to pick a certain name in the banks.. just go with a ETF that covers the entire sector.