[MattKellett]

ok, my belief with retirement funds is not to change anything!!!!

When I enrolled in my company's 401k about 8 years ago, I decided then how much risk I wanted to take. In those 8 years I have done fairly well, until this last peroid where I dropped 12.3% Now I'm sure I will drop even more this next period, but I am still contributing the same amount into the same funds, and now buying at a lower value, sure it might lose some more money, and if it does I will be buying at an even lower value!!!

The things is at my age, 39, I am still comfortable with the risk level I am at with my 401k. The thing to remember is that these are long term plans. Now the older I get I will reevaluate my allocations. But my allocations will not be dictated by the swings in the market, but more by the situations in my life.

Anyway, I could be wrong, but this is how I feel comfortable, I know my risk and I realize that some times I will be making a loss, but history teaches us that in the long term it's a worthwhile investment.