Thanks for sharing your experiences and good luck!

1 – Over the past few years, I came to the conclusion that investing in individual stocks is not the best investment strategy. Instead, it’s better to invest in globally diversified portfolio of low cost equity and fixed income funds and let your asset allocation/rebalancing do the work. With this more passive strategy, identifying winners and losers become less of an issue. Instead, you are looking more at how does a particular fund or ETF fits into your overall asset allocation strategy.

As far as dollar cost averaging down, this is not necessarily a bad thing to do since the entire global economy and equity value went down.

2 – That’s always a concern, but you can only do what is best in the current situation; otherwise, you are speculating. However, if you are concerned about future tax rate and the rules governing 401k, you can manage the risk by splitting your investment — i.e., between Roth versus traditional.

As for refreshing the post, I am in the process of going through my archive and giving selected articles a new life. Thank you.

1) Any suggestions on how to identify a “winner” stock with lots of legs for running higher, from a another stock actually peaking, given your advice with scenario #9? I did dollar cost average down recently (bad me) and recouped my costs in most assets with the recent run-up, especially with financial and Chinese plays. I have taken some money off the table, but am truly concerned about selling too low.

2) Is there anything to be concerned about with 401k savings and Obama’s plans for taxes in the future?

P.S. You think of refreshing this post as you may draw even more interest! Thanks again!