-=PCTechTalk=- Re: offtopic,mutual fund questions

From: "Don" <dsw32952@xxxxxxxxx>
To: <pctechtalk@xxxxxxxxxxxxx>
Date: Mon, 2 Feb 2009 04:23:34 -0800
A quick summary of my OPINION on this question:

IF you are at least 3 to 5 years away before you will begin making 
withdrawals from your retirement accounts continue to invest if you will 
still be able to sleep at night.

IF current gyrations are driving you nuts, then either stop investing but 
stay invested or shift new investments to a less volatile and maybe shift 
current investments from volatile funds to more stable funds... such as from 
an aggressive growth fund to an S&P 500 Index fund.

If you are in a panic mode, liquidate your most volatile funds into a money 
market account or a good mid-term or short-term bond fund... Vanguard's 
Total Bond (VBMFX is the ticker).  Keep at least 10 to 30% in a stable broad 
index fund.

Want a very simple easy to manage portfolio?  Try this:

Vanguard Total Bond Index Fund
Vanguard Total Stock Market Index fund or S&P 500 Index fund
Vanguard Prime Money Market Fund

Percentage of portfolio in each fund would be determined by the various 
factors previously discussed.  My OPINION is that at least 10 to 30% should 
be in stocks and no more than 10% in the money market fund (more if you do 
not have a separate emergency account to last 3 to 6 months of living 
expenses).  Bonds should get at least 20 to 30% of the portfolio if you are 
over 50.

Remember:

Do your homework!
Buy low.  Sell high.
Warren Buffet sees the current market as a powerful opportunity to BUY.  He 
is probably the richest and most successful investor in the history of 
capitalism.

Google these:

Warren Buffet
Berkshire-Hathaway
contrarian investing
portfolio rebalancing

Don
----- Original Message ----- 
From: "Sandi Beach" <sandib2@xxxxxxxxx>
To: <pctechtalk@xxxxxxxxxxxxx>
Sent: Saturday, January 31, 2009 12:47 PM
Subject: -=PCTechTalk=- Re: offtopic,mutual fund questions


> Cristy, like you we have been standing pat but with considerable fear and
> trepidation!  I would also be interested in what Don has to say.
> Sandi
> ----- Original Message ----- 
> From: "cristy" <poppy0206@xxxxxxxxxxxxx>
> To: <pctechtalk@xxxxxxxxxxxxx>
> Sent: Saturday, January 31, 2009 11:44 AM
> Subject: -=PCTechTalk=- Re: offtopic,mutual fund questions
>
>
>> Hi Don,
>>
>> Just have been getting shaky about whether to continue mine or not, I
>> guess
>> everyone is now.  For now I have been sticking to it but things have
>> looked
>> grim for quite awhile to me.  I have a 403b . maybe email you offlist if
>> that is ok.
>>
>> thanks
>>
>> christy
>>
>
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-=PCTechTalk=- Re: offtopic,mutual fund questions

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