gonjah gonjah.net wrote:
This group has been SO helpful to me over the years.

But I knew I was pushing it with a OT post of this nature. I was very pleasantly surprised.

Thanks to everyone. Very good comments IMHO.

BTW: It's in a moderate risk no-load fund appropriate for my age with a
low ER. The 403B is in a similar fund. I'll sleep well tonight. Now I can
file and get $80 bucks. Casino here I come!

Investment advisors will always tend to put themselves in a safe mode when
handing out advice. Luckily when the market was heading downward 2008 , I
went safe. As the market bottomed, I said, how much lower can it go. Much
of my money was put in vanguard capital value fund. It outperformed
everything. As a result, I gained 50% over what I would had had, had I done
nothing. The first thing an investment advisor will say, put more money in.
Sure. When I first started in vanguard, they said diversify. Fools. I lost
money 25 years ago. Should have been all good stock funds. High risk vs low
risk, I say your age and retirement date is not the most important issue.

Greg