NEW YORK (Money Magazine) - If you haven't moved some of that mounting pile of cash into the stock market, odds are that after a 25 percent or so gain for Standard & Poor's 500-stock index in 2003, you're thinking hard about taking the plunge.

To get the most informed, thoughtful views on what to expect in 2004 -- and how to position your portfolio to profit -- we quizzed four of the sharpest money minds around.

Our topnotch team: Sanford C. Bernstein's Vadim Zlotnikov, ISI Group's Nancy Lazar, Banc of America Securities' Thomas McManus and Merrill Lynch's Richard Bernstein.

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