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<<... and truthfully I've never paid much attention to the portfolio performance or makeup.>>

Now that is a bit of a shame, because there is something of value to be learned. Although I do not advocate that a stock portion of any portfolio should ever consist of only four stocks, please do note that the more conservative portfolios holding various amounts of relatively short term money instruments (almost cash at short term interest) at least would have been able to survive and therefore the downturn would not have necessarily proved fatal.

Perhaps I should elaborate on my comment. I wasn't uninterested in the concept, but as my plan calls for twenty years or so before I retire (depending on my rate of return, of course) it wasn't of immediate concern. My current thinking is instead of using percentage allocations in a retirement portfolio, to have 5 years (possibly a bit more) living expenses in bonds/treasuries/cash, and otherwise 100% invested in stocks. (I'm considering series I bonds for some of it, partly because of the ability to defer taxes on the income until it's cashed.)

Other than for funding the cash/bond portion, I don't think I'd sell what I owned. If I liked the companies (and I should if I still owned them), why change to something else? (Of course, I also own a Wilshire 5000 index and an S&P500 enhanced index fund.)

While I didn't pay attention to the portfolio results, I it was because short term results didn't matter to me. After a couple of years worth of data, I certainly would have examined what had happened to see what I could learn from it. What I've learned from it now is: be conservative in retirement! Don't plan on drawing too large a percentage from your savings and keep some of it in bonds/cash.

I already knew that, of course; but learning it again can only help. This is one lesson you DON'T want to learn from experience!

Never go on an adventure without a hat!
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