all great thoughts!!! I am soo concerned that since it is in all mutual funds- largest being S&P Index fund that I should get out as soon as possible - I have been carefully adding a few stocks each year to a ROTHand do not want an overly high exposure to the market - since I have been downsized -tax issues should be looked at - great thoughts! I am trying to be cautiously optimistic and attempting to avoid any less tha intelligent decisions.
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