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Subject:  hold or fold Date:  1/5/2000  8:56 AM
Author:  joberg1 Number:  17367 of 88785

My husband currently is holding two funds in his IRA that are doing quite poorly and we cannot decide whether to hold on to them or get out. He made the mistake of getting out of PBHG growth in June of 1998 because he was losing money only to see it regain its losses after he was out. The two questionable funds he has now are FAM value which is down about 20% since June of 1998 and American Century Value which is down about 18% since the beginning of 1999. The rest of his portfolio is doing quite well and consists only of mutual funds. We have not yet begun to invest in specific stocks in our IRAs. Does he get out and invest in other funds or in stocks or does he sit tight and wait? There is no tax benefit to taking a loss in an IRA that I am aware of but everything I read tells me that the large cap stock funds do better over the long haul than the small cap funds. Any comments will be welcomed.
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