[rickd]

Thanks Steve! Like I said before, I've gone fixed return and/or cash where I can. And I'm working on the planning constantly.

Unfortunately I have a ton of money in 401k type investments where the selection of investment vehicles is limited (and all are performing poorly). It's hard to know whether to cash out and take the tax hit assuming the portfolio loss will be higher- roll over to funds/management that offers more choices/etc. Or one of the other myriad of options.

I'm a programmer, not a financier- so it's hard to find good objective advice with limited exposure to the field. It's hard to figure out who is trying to make a quick buck with their advice on offer, or to actually help "regular" investors like me.