Good advice Bankman. I learned my lesson when I lost over 50% of my 401K in the year 2000 because I had it all in a tech fund. Now I have "PORTFOLIO ALLOCATION" tattooed on my eyelids! Lucky fyou can rollover to an IRA because the 401s from a previous employer. I'm not all that happy with my 401K investment choices, so I've got dollars invested in 5 other accounts, Roths, TIRAs, annuity and taxable, but I treat it as one portfolio for allocation purposes. I also track the cumulative rate of return and annualized rate of return for each position in each account and for each account overall.

I like to use the S&P 500 as a benchmark.

Thanks for the learning experience...

2old