I've got a question about my 401K for any of you Investment Advisors on the Forum. I've been noticing lately I've been losing money. I'm only 28 years old but supposedly, now is the time to start taking this stuff seriously. Prior to September 11th, 2001, I had been investing my contributions fairly aggressively. I received my quarterly statement not too long ago and noticed a prety hefty loss. I know the stock market hasn't been doing all that well. I'm currently at the website of my company's 401K plan and I can change all of my investment elections online. It's broken down as the following: Money Market Interest Income Bond Equity Income S&P 500 Index Equity Growth Large Cap Equity Growth International Equity Small/Mid Cap Equity As I mentioned earlier, prior to 09/11/01, I had been investing fairly aggressively since it is a 401K account and I'm only 28 years old. I don't necessarily enjoy the idea of losing money either. Friends I've talked to said I should get out of any of the stock funds and transfer contributions to the Money Market funds, bonds, etc, etc. I can break down and divide contributions up to as small as 5%. I was thinking about diving my contributions into the Money Market fund, Interest Income, Bond, and Equity Income. 25% contribution in each of those funds. Perhaps this is a stupid question (I'm really not into "investments" and don't know a whole lot) but given the aforementioned information, how would any of you break down your contributions if you were me?? And yes, I indemnify and hold harmless anyone who replies to my thread... hahaha!! Just looking for some opinions... Scott.