Answers: Scary times, but if you've held these funds for awhile , I'm sure you've seen this in the past... you still have plenty of time to restore your health from any " dips".
Contrafund is nice base for you.hold that for sure...
" Templeton" is a company that have hundreds of funds...so I don't know what to say in the order of that..
The " life-cycle" fund is probably very conservative, so you should be fine near, also...
13 years to go...it's a long time... you could still put a tiny percentage of your holdings ( 5% or so ) into something " international" for a few years ... they are the kind of things that double in 4 years or so...lately a nice " kick" for the run to the finish line... and afterwards get vigilant at 55 or so...
... but you do it any way you want...it'll still work out... a moment ago remember : you are doing a better job looking out for your adjectives than years and years of different politicians who came up near the very not working Social Security plan.( ...but I bet THEY all retired next to great plans !! )
Good luck.
If you mean these financial times, it doesnt matter what the cutback is doing now. What matter is your personal situation. Your risk profile, how long you have until retirement, your other assets and income If you're close to retirement you should be surrounded by safer investments. If you're young you can help yourself to more risk and handle the ups and downs of the open market. Retirement is a long term investment. Dont invest for the longterm near a short term scenery. I would not suggest investing more conservatively because you are nervous right in a minute. The stock market will other have up and down period. If you move your money into safer investments you risk missing the upswing. Nobody can time the market.
You should focus are anyone diversified and having the right mix of assets. Please maintain in mind that the afternoon you retire you will not spend every dollar that day, you stipulation this money to last as long as you do (which could be another 30 years if you're 65). With inflation at 4.1% surrounded by 2007 you need your money to grow purely to keep up.
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Under client update
Now is a flawless time top assess your risk tolerance and make sure your asset allocation match your risk tolerance.
Do you have bond funds? International funds? Do you even know your current asset allocation and why you chose it?
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When you have a capably thought out investment plan you never have to verbs about what the souk is doing.
If you an inexperienced investor, the best thing to do is to do nil. The stock market is volatile but it other goes up overall within the long run. Think big picture and you will do fine in the close. What funds are you invested in immediately?
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