If you own mutual funds, sell them now, pay your taxes if you have any profits, and restructure your portfolio with iShares(iShares.com). Indexing with ETF's will save money and provide superior investment diversification. Use the portfolio builder on the iShare web-site to build your own customized portfolio. Look at energy sectors, water, Canada and Japan.
Take a look at www.buy-stocks.com for more help and specific buy/sell recommendations.