Amen, sister. I'll take one too.

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Paul S.

2001 E430, Bourdeaux Red, Oyster interior.
79,200 miles.

1973 280SE 4.5, 170,000 miles. 568 Signal Red, Black MB Tex. "The Red Baron".

I'm a wimp ... almost everything t-bills. So I did actually make gains, just not very much. My 19 shares of Bank of America are down a lot, but it wasn't like that was much to begin with. My 401k I just started a year ago so there wasn't much to lose ... haven't looked at the year-end statement but it probably lost a decent amount. With company matching I still come out ahead as opposed to not investing in it, though. I stayed mostly flat this year ... but I guess compared to what's happened to a lot of people, that's worth celebrating.

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1987 300D, arctic white/palomino--314,000 miles
1978 240D 4-speed, Euro Delivery, light ivory/bamboo--370,000 miles
2005 Jeep Liberty CRD Limited, light khaki/slate--140,000 miles
2018 Chevy Cruze diesel, 6-speed manual, satin steel metallic/kalahari--19,000 miles
1982 Peugeot 505 diesel, 4-speed manual, blue/blue, 130,000 miles
1995 S320, black/parchment--34,000 miles (Dad's car)

I wouldn't say thats wimpy...one of my uncle has all his money in bonds, after this year he isn't doing so bad.

I bet a lot of people wished they owned bonds this year.

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2016 Corvette Stingray 2LT
1969 280SE
2023 Ram 1500
2007 Tiara 3200

Yeah, for once my pessimism paid off. That said, I do feel like now, or the next couple months, may be a great time to get in on some bargain-basement stocks. Would have to take a little risk ... but the money's still out there.

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1987 300D, arctic white/palomino--314,000 miles
1978 240D 4-speed, Euro Delivery, light ivory/bamboo--370,000 miles
2005 Jeep Liberty CRD Limited, light khaki/slate--140,000 miles
2018 Chevy Cruze diesel, 6-speed manual, satin steel metallic/kalahari--19,000 miles
1982 Peugeot 505 diesel, 4-speed manual, blue/blue, 130,000 miles
1995 S320, black/parchment--34,000 miles (Dad's car)

Down just about 50%.

My 401K is in a Principal Financial Group Target Retirement mutual fund. Last year the fund kept about 73% of the fund in stocks and 27% in bonds and cash. The total return last year was minus 37%

My Rollover IRA and Roth IRA's are with Vanguard, and both IRA's are in one of Vanguard's Target Retirement funds. The fund was down 33% last year.

Which proves another point I'm always making about the benefits of index funds relative to actively managed funds.

Both Target Retirement funds have similar asset allocations, but Vanguard's fund outperformed Principal's by 4%. Vanguard's Target Retirement fund is invested mainly in index funds, and Principal's is invested mainly in their actively managed funds.

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Paul S.

2001 E430, Bourdeaux Red, Oyster interior.
79,200 miles.

1973 280SE 4.5, 170,000 miles. 568 Signal Red, Black MB Tex. "The Red Baron".

Are you 100% vested in the company match money? I not only lost a good chunck from the market, but lost the match (50% of deferred income, no company limit 'cept the fed max.) when the lay-offs came...

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1982 240 D, 308,000 - 321,127 miles (sold)
1982 300 TD,166,500 - 226,000 miles
1998 E 320, 120,000 - 144,000 miles
2005 C 230 K, 26,000 - 77,000 miles (sold)