403b advise

[matt98svt]

hi all,
i am new to the forum here and have doing some investing research online about my 403b when i came across this site. hoping to get some general info about handling my 403b in these times when the market seems bleak and most of the options i have to invest in have been loosing money. first, i just turned 33 years old and work at a hospital that matches 6% towards my 403b plan. annual income is approx 45k a year and i have approx 20k in my 403b currently and have about another 20k outside this plan in cd's recently givin to me by family. our retirement is handled through eretirement.aul and i have a limited number of choices. i put away 12% currently but hope to put in more coming up. it seems pretty much any of the current investment options through my plan have been loosing significant amounts of money in the last 6months or so...so i put the entire 20k i had in fixed interest for now. i dont change this weekly or anything but if the funds are loosing money from week to week i dont hesitate to move it to something such as fixed interest that is at least staying positive. is my best investment to keep my money in fixed interest funds for the rest of the year..(or as long as this market continues to spiral downward) or look at other options from this list? my choices in my plan are as follows"

Intermediate-Term Bonds American Century Inflation-Adjusted Bond (MR) Inflation Protected B
Intermediate-Term Bonds Calvert Income (C2) Int Term Bond
Balanced OneAmerica Asset Director (A3) Balanced
Balanced Russell LifePoints Balanced Stratetgy (YQ) Balanced
Balanced Russell LifePoints Conservative Strategy (YR) Balanced
Balanced Russell LifePoints Equity Growth Strategy (YS) Balanced
Balanced Russell LifePoints Growth Strategy (YT) Balanced
Balanced Russell LifePoints Moderate Strategy (YU) Balanced
Large-Cap Stocks MFS Value (U4) Large Cap Value
Large-Cap Stocks T. Rowe Price Equity Income (T1) Large Cap Value
Large-Cap Stocks Neuberger Berman Partners (OG) 11 Large Cap Blend
Large-Cap Stocks State Street Equity 500 Index Fund (X2) 10 Large Cap Blend
Large-Cap Stocks Allianz CCM Capital Appeciation (Q6) 12, 13 Large Cap Growth
Large-Cap Stocks Fidelity VIP Contrafund (E8) 3, 8 Large Cap Growth
Large-Cap Stocks T Rowe Price Growth Stock (TD) Large Cap Growth
Mid-Cap Stocks OneAmerica Value (A2) 9 Mid Cap Value
Mid-Cap Stocks Dreyfus Premier Structured Midcap (14) 9 Mid Cap Blend
Mid-Cap Stocks Dreyfus Premier New Leaders (1B) 9 Mid Cap Growth
Small-Cap Stocks Allianz NFJ Small Cap Value (QF) 9 Small Cap Value
Small-Cap Stocks Lord Abbett Small-Cap Blend (24) 9 Small Cap Blend
Small-Cap Stocks Fidelity Advisor Small Cap (EE) 8, 9 Small Cap Growth
Foreign Stocks MFS International New Discovery (U1) 5, 16 Foreign Sm/Mid Growth
Foreign Stocks T Rowe Price International Growth and Income (TE) 5, 16 Foreign Value
World Stocks AIM Global Equity (HC) 5 World Stock
Specialty American Century Real Estate (NJ) 6 Specialty

[marla]

It's hard to predict the stock market. If you are in it for the long run, it shouldn't matter too much if it is going down now, as long as you continue to invest on a regular basis. At least that is what I have learned.

[jIM_Ohio]

Large-Cap Stocks T Rowe Price Growth Stock (TD) Large Cap Growth
Foreign Stocks T Rowe Price International Growth and Income (TE) 5, 16 Foreign Value
Large-Cap Stocks T. Rowe Price Equity Income (T1) Large Cap Value
Small-Cap Stocks Fidelity Advisor Small Cap (EE) 8, 9 Small Cap Growth

I would think about using these funds in addition to some others.

[responduser]

It's hard to predict the stock market. If you are in it for the long run, it shouldn't matter too much if it is going down now, as long as you continue to invest on a regular basis. At least that is what I have learned.

But also you should look for some good ones from which you can make profits initially.

[sweeps]

But also you should look for some good ones from which you can make profits initially.

Huh??