分析师和专家们给出了他们的观点

    去年这个时候，投资者和房屋所有人也在遥望着2011年。当时，我们中的很多人希望别再是糟糕的一年——希望房价能反弹（哪怕只是温和回升），希望油价不要再侵吞我们的收入，希望经济前景的不确定性不要再伤及我们与股市相关的投资和退休基金。

    不消说，结果2011年有喜有忧。房价没有反弹，但销售数据有改善的迹象，同时租赁市场表现强劲。欧洲债务危机仍然还在冲击全球市场，投资者纷纷转向更安全的投资。那么，2012年会有什么不同呢？

    房子、股票、黄金和石油，我们是该看涨，还是看跌呢？请继续往下看，相信各位自己信中都有一本帐。

Analysts and experts give their take

    Around this time last year, investors and homeowners wondered what to expect in 2011. Many of us had hoped we wouldn't merely slog through another year -- that home prices would rebound (if only modestly); that gas prices wouldn't eat away at our paychecks; that uncertainties in the economy would spare our investments and retirement funds tied to the stock market.

    Needless to say, 2011 ended with mixed results. Home prices didn't rebound, but sales showed signs of improvement and the rental market was strong. Europe's ongoing debt crisis rattled markets worldwide, leaving investors scurrying for safer investments. So will 2012 be any different?

    Should we be bullish or bearish on housing, the stock market, gold and oil? Read on and decide for yourself.