Re: [RT] Investing

["Ray Raffurty" <r.raffurty@xxxxxxxx>]

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: Thursday, January 09, 2003 7:54 
  PM
  Subject: [RT] Investing
  
  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<SPAN id=hotbar_element_used 
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