ArnoldK : I have gone through this. I have seen great companies such as IBM,Intc,Ko,and even this last week,Lu. really drop big time in a short time. It can happen to you. I have made a lot of money since I took over my retirement funds. One of the great safety valves is diversification. Another hint is that I would have made even more if I would have put 80% of my money into great Mutuel funds like Janus or Fidelity. They are a great way to diverswify your funds with people that really know what is going on and can take action on it. You can still keep 20% of your money in your own account to trade as you wish. If you want more info from me I'll be happy to share with you what I did and my advise. If not good luck.