"Actually, all my funds were doing very well before the crash ... I have not rebalanced, nor did I pull any money out during the hysteria ... It’s taken a year, but I’m slighty ahead of where I was before panic set in last year ..."
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. Same here. When I started feeling the the funds getting hit I pulled 25% from all holdings and put them into a safer bond. Then real early this year I plunked it all back into my holdings. I did get back in a little too early because it did go down a tad bit more, but in the end I’m ahead. Plus I was still buying a ton of shares while they were in the dumps (IMHO, that makes up a lot for the losses). I have xx,xxx more in the account now, than before I took 25% during the crash (not counting what my employer and I put in during this year). I am definitely going to skim these profits and put them into my lower risk fund (which I have been doing for a long time now).
I treat my 401k like my Vegas gambling. I start with whatever amount of chips in front of me. After a few wins I pocket a few chips and only bet what is in front of me. Win some more , skim some more. That way If I lose everything in front of me I still have accumulated chips in my pocket.