Answers inside. solve your problem. Pay me if it is good.

you shall look at the fact before cry.:)
what is the fund about?
what are the main companies?
Are they doing a stable business? f. ex. if they are tobacco producers, it won't be effected too much. Air plane companies always get up and down, up to heaven, or down to bankrupcy. IT takes long time to up, same to down, and it is still kind of down. Oil is up, and will be up for some years if no suprise. Materials are always up and down in short period, and up in a long run. US house market is down, but people still need place to live in. They do not sleep outside every night. So, as long as the business is running, it meant to make money.
As long as you are holding the shares, it is meant to be up and down.
If you are unlucky and bought the companies which are almost get bankrupted, you'd better sell them as soon as possible.
But if your companies are just at its' down period, they will be up again some day. And you have the time! You still have many years to go to take pension, right?

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• Thanks a lot for the answer. I will try to study the fund. -marilyn- ♀ (0 bytes) () 09/04/2008 postreply 09:05:01