Watching your investments fall is bad for both your emotional and fiscal health. No one ever gets in at the low and sells at the high (and then repeats). As a matter of face, even buying at the market high in 2007 worked out for those who were patient.

Then we take questions on topics like:

• Why do funds have investment minumums when ETFs don't?
• Has the Costco 401k been dramatically changed?
• I just won a car, when do I pay the taxes?
• What do we think of the John Hancock funds?