Q. In March of this year, I moved 50 percent of my balance from the G Fund to the F Fund because I was tired of not making any money in the G Fund. I evaluated the performance of the F Fund over the past several years before doing this and assumed that risk was low. Initially, I was quite happy with my decision, but now I see the F Fund share price dropping consistently. Is this drop in the F Fund share price temporary, and do you expect it to regain its momentum? I’m now a little nervous about moving to the F Fund and may cut my losses and move the money back to G. Can you give me your opinion?
A. Let this be your wake-up call. There is so much wrong with this, it’s hard to know where to start. You ALWAYS made money with the G Fund. You should NEVER base your future expectations for investment performance on recent history. Things always go up before they go down, and vice versa. Of course the F Fund’s share price will rise again — eventually. Nothing is right with the approach you’re taking, and everything is wrong. It’s obvious that you’re not qualified to be managing an investment portfolio. You aren’t even asking the right questions. Maybe you should put your money into the L Fund that most closely corresponds to your life expectancy and cross your fingers.