Contrary to the popular belief, I still think 2015 would be positive in return. We will be in a volatile market (great for traders but nightmare or over joy for most).
Interest rate would be hiked insignificantly. The decision maker is always influenced by politicians who do not want to see a big hike in a pre election year. Most pre-election (one year before election) years have positive return (even the 2008) from my memory.
Oil price will not go to 30 as described in my link.