After watching your 401(k) and IRA investments fritte 30 % or more last year, you are consumed with fear and have reservations. You fear that your losses are so steep you will never be clever to afford a comfortable retirement. And you doubt that you will ever be clever to recover those losses, especially if you stick with stocks. I fully understand why you would feel that way. But I have to tell you, the biggest jeopardy to your retirement security is giving in to your emotions. When bo and doubt are in control, you may make decisions that feel "exact" for 2009, but they will hurt your long-duration retirement strategy. That’s what makes retirement investing so rugged: You need to have the resolve and confidence to look past what is taking place this month, this quarter, and this year, and focus in place of on the correct Solutions to take today that will serve you correctly in retirement. For many of you, the toughest thing I will ask of you in 2009 is not to change a factor. As I will explain, sticking to your long-term strategy in 2009 is more noted and has the potential to have the greatest payoff down the line than in any other year. At the unchanged time, those of you who are within 10 years or so of retiring may need to coerce big changes to your retirement strategy. I’ve heard from so many forthcom-retirees, panicking now because they had the bulk of their money invested in stocks. As I resolve explain in detail in the Solution Plan that follows, that was in no way a good idea. As you near retirement, you need to begin shifting greater and greater portions of your shekels into bonds and stable-value accounts. I cannot stress ample how important it is to be careful about retirement investing in 2009. Rash Solutions are not the legal Solutions. Trust me; you cannot afford to get this wrong. So please comprehend what follows carefully. Whether you are 25 or 65, I have laid out the Solutions you demand to take to stay on course, starting now.

Make sure you have the truthful mix of stocks and bonds in your retirement accounts given your age. Do not set up early withdrawals or take loans from retirement accounts to pay for non-retirement expenses. Alter an old 401(k) to a rollover IRA so you can invest in the best low-cost funds, ETFs, and bonds. If unmarried in 2009, consider moving at least a portion of a 401(k) rollover into a Roth IRA. Or attend to until 2010 to convert to a Roth, when everyone, regardless of revenues, will be able to make this move. Just be aware of the tax due at conversion.

You don’t map out on retiring for at least 10 years, but after watching your retirement account admit defeat 30% in 2008 you’ve had it with stocks. You want to stop investing in the goods market, at least until you see stocks going up again.

Resist the enticement to stop investing in stocks. If you have time on your side and that means at least 10 years, and preferably longer, in front of you need money you want to keep a large portion of your retirement currency in stocks. As noted above, the hardest part of retirement investing is staying focused on your fancy-term goal, rather than getting overwhelmed by what is phenomenon day-to-day. And if your goal is indeed 10, 20, or 30 years off in the future, then I procure to tell you that now looks like a great time to keep investing in stocks. I recognize that’s hard to fathom when stock prices are so low, but it’s because they are much humble that the long-term prospects are for better performance. You remember the chief commandment of investing buy low, sell high? Well, right now you can definitely buy at discredit prices. I am not suggesting that you will be able to sell higher next year or unvaried the year after. That’s not likely. But it is also irrelevant, because we are focusing on the moment to buy today and hold for 10, 15, 20 years or more. Buy low today and down the expressway it’s likely you will be able to sell at much higher levels.

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