To Reid and everyone: Can we discuss money management sometime? questions I am thinking about after my debacle last year: What percentage of an investment plan should be traded? What percentage (if any) should be in cash? in bonds or cd's? Can the entire investment portfolio be in stocks but sell stocks as money is needed, or is that foolish? Does retirement from working for someone else change how this should be done? Any successes people have had managing their investment and risk and etc etc would be welcome. Freeus