Hi There,

My 401K balance has been dropping down and I have lost almost 8% in three months,
Can somebody give me some advise on how to allocate my investment. Should I put
All my money into cash ( and bonds) to avoid risk until economy gets better ?
I still have 10 more years to retire.

1. Everything depends on your age and how aggressive you are willing to be.
2. In general, judgments should not be made on 3 months of activity.

How did you decide on the investments that you're currently invested in?

Rick,
I will retire in 10 years ( by 64 ) and I prefer to be not very aggressive,nor very conservative. I put 15% in cash, 15% in bond,others in stock.

Good for cash and bonds. Stocks can range from very aggressive to super conservative.

Even at 10 years from retirement I still stick with "don't judge on 3 months worth".

For your retirement target I suggest fairly (but not fully) conservative investing.

Are the stocks individual - or are they in mutual fund groups? Post what stocks or fund groups you're in... I'd think some here can give better opinions based on that.

my current investment elections are:
AF EuroPac Growth -R4 25%
AF Growth Fund of AM-R4 10%
ACI Large Co Value-Inst 15%
Liverstrong 2025 Inst 10%
SSgA MSCI EAFE Ind - C 10%
Cash/Bond 30%

Can some experts give me better options than above ?