No. of Recommendations: 3
" I ask that question because I'm not beating the market"

^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^

Try a different question.
Are you getting the return that you need to meet your goals?

If you are then, you do not have to make adjustments in your
portfolio quickly. You may have greater risk built into your
portfolio than needed or you may want to change your approach
as you learn more about the individual investments you have
chosen. But an individual investor does not have to "beat the market"
- he or she needs to meet an entirely different criteria - is
the return enough to meet your own needs and does the risk
involved meet your "sleep at night" level, and is there sufficient
cushion to allow for market change?

Selling positions will involve gains and/or losses - but changing
your portfolio will always include this aspect. The question involved
in selling is "what has changed in the investment?" - e.g. a change in
the management team for a mutual fund, a change in the economic
situation, management or market for an individual company, a change in
the perceived risk in a fixed income investment, or a need to
generate cash from your portfolio.

Howie52
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