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Subject:  Re: My Funds, My Misery Date:  1/15/2009  8:44 PM
Author:  TwoCybers Number:  65134 of 78165

My reactions -

You rode the market down, so unless you want to buy and sell low, you need to be equally agressive in the future. However, this time you might want to "sell high" and but a portion of your funds in something like fixed income,

As others have said, you have lots of overlap and probably about twice any many funds as are required. Diversifcation does not mean buying multiple funds th