I laugh at the T-bill situation. I would also avoid investing in this country altogether. You're better off investing in hammered foreign stocks with dividends that only got sold because of deleveraging. The countries with savings rates, trade surpluses, and large manufacturing bases will outperform us, their only problem was they linked their currency to ours and loaned money to us that we couldn't pay back.
Stocks for us will go up nominally next year, but only because of currency devaluation. Don't be fooled by nominal gains. There are two types of bear markets for stocks. When stocks go down, but the cost of living doesn't go down as much. When stocks go up, but the cost of living goes up faster. I'd stay in gold, it was the right choice the last ten years, and it will be the right one for the next ten. When the Dow is worth 1oz and interest rates have been 20% for a few years, then you can start thinking about going back in.