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Newbie looking for some direction. Had all my 401K transferred to a self directed stock fund with my local regional broker. He has not been muck help. Consequentially my retirement fund has not improved but 10% in 2 years. Question? entire amount is in stocks ( some have been dogs but have been trying to average down in hopes they will come back to there right numbers) should I have evrything in the market?. Have 2 1/2 years before I will need to start using div to supplement my pension&social security.

Fairly new to the FOOL and now trying a test on the foolish 4 with plans to increase my funds with more perhaps with the Rule breakers.

Good sound simple advice appreciated. Thanks
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