Jack254,Making the right decisions is very important in protecting & growing ur retirement fund. Here's a good resource for u to read before making any decisions: "Getting started in Retirement Planning" by Ronald M Yolles, JD,CFA; Murray Yolles, JD, MBA. IBN 0-471-38310-4. The book is written for all ages.Your on the right track. I have read many of the financial investment booklets from Harold Evensky to Bruce Temkin. This book is easy to read, balanced, and invaluable tool to aid you in your retirment journey. One of the best I've read. I strongly recommend you review this material in addition to the information provided on this board. Be wise & you will do well. Many happy investing returns.RT
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