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Hi Desi,
You didn't give us much information,
what funds are available, what fund you are in, and what company stock
you may have? How old are you and your husband? When will you need
the money? Are you currently taking draws? What is the
employer's contribution?
The important thing in a 401-k is TIME IS
ON YOUR SIDE! Don't panic. If you\he are still working
continue to take maximum advantage of your plan, especially if the employer is
matching, this is free money. Gradually build a diversified portfolio,
DO NOT JUMP IN AND OUT SHORT TERM. If your funds are well
rated don't abandon them now. This will lock in a loss.
The oldest adage on Wall St. is; "Buy low, sell
high". Right now bonds are very high, but many stocks and
most funds are low. Add to stock fund positions, wait for a
pull back for bonds. Eventually the Fed will raise rates and bonds will
fall. Wait for the next cycle of rate increases to end and bonds are at a
low, you will know when this happens. When it does, stop (or
reduce) adding money to stock funds and focus on bonds.
Check out <A
href="http://www.morningstar.com";>www.morningstar.com for ratings.
Take time to explore this site and learn what they offer.
Good luck and good investing,
Ray Raffurty <A
href="mailto:r.raffurty@xxxxxxxx";>r.raffurty@xxxxxxxx
<BLOCKQUOTE
style="PADDING-RIGHT: 0px; PADDING-LEFT: 5px; MARGIN-LEFT: 5px; BORDER-LEFT: #000000 2px solid; MARGIN-RIGHT: 0px">
----- Original Message -----
<DIV
style="BACKGROUND: #e4e4e4; FONT: 10pt arial; font-color: black">From:
Dimpil
To: <A title=realtraders@xxxxxxxxxxxxxxx
href="mailto:realtraders@xxxxxxxxxxxxxxx";>realtraders@xxxxxxxxxxxxxxx
Sent: Friday, January 10, 2003 8:00
AM
Subject: Re: [RT] Investing
Bob &
Norm:
<FONT face="Comic Sans MS"
color=#808080>
Thanks! I don't
think he wants me to get it back just help him not lose anymore. BUT
right you are he needs a professional and I'm not it. AND the frame of
mind is, what's gone is gone.
<FONT face="Comic Sans MS"
color=#808080>
Thanks
again.
<FONT face="Comic Sans MS"
color=#808080>
<FONT face="Comic Sans MS"
color=#808080>Desi
<BLOCKQUOTE dir=ltr
style="PADDING-RIGHT: 0px; PADDING-LEFT: 5px; MARGIN-LEFT: 5px; BORDER-LEFT: #808080 2px solid; MARGIN-RIGHT: 0px">
----- Original Message -----
<DIV
style="BACKGROUND: #e4e4e4; FONT: 10pt arial; font-color: black">From:
BobsKC
To: <A
title=realtraders@xxxxxxxxxxxxxxx
href="mailto:realtraders@xxxxxxxxxxxxxxx";>realtraders@xxxxxxxxxxxxxxx
Sent: Thursday, January 09, 2003 10:28
PM
Subject: Re: [RT] Investing
Most everyone took a huge hit on their 401K funds last
year. Now your husband wants you to miraculously get it back for him
even though you have little, if any, real trading experience? He needs
to put his remaining money in bonds, forget the loss, (if it truly was a
loss and not just a retracement of earlier gains), and concentrate on his
chosen profession. Trading, is, in and of itself, a profession and
making investment decisions should be done with the aid of
professionals. Step one is to forget the "loss" as you have what you
have now, not what you had before.I wish you well in your endeavors.
BobAt 07:54 PM 1/9/2003 -0500, you wrote:
Okay, I have a basic investing
question. My EX hubby took a huge hit in his 401k and wants to
recoup his lose over the next year or so. The basic rule I know is
if interest rates are down then bonds and if rates are up get out of bonds
because they go down. What else? Anyone good investment advice
out there? I can give a list of the funds he has to choose from it
that helps but I'm just looking for some basic guidelines to help him out
as he's not as savvy as me and I'm not as savvy as I should be as I'm just
starting to get back into this and I'm learning. So any other basic
rules, guidelines or truths? Thanks!Desi<FONT
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