Q. Last fall, when we were approaching the fiscal cliff, I made the mistake of transferring my L2030 fund into the G Fund because I believed the market was going to have a significant drop due to the instability of the federal budget. At the time, the Dow Jones was around 14,000. Long story short, my funds are still in the G Fund and the Dow Jones has now exceeded 15,000. I don’t know when to transfer them back to the L2030 fund because I feel like I’m buying high right now. What are your thoughts?
A. You’re not qualified to manage an investment portfolio. Either take some courses in statistics and pension fund management techniques, or find someone to help you who knows what they’re doing.