Subject: Re: Protecting the Downside

I need to sit down and look at what I have invested and what would happen if there is a 20%, 40%, 60% drop in the market. How much harm it would cause, if any.

Since the beginning of the year I went into international and also gold which both have paid off well. My domestic stocks allocation is pretty low.

To lock in some higher interest rates I got a couple of multi-year guaranteed annuities for 3 yrs and 5 yrs, both paying over 5%. This will be money I can use at that time for expenses and prior to collecting social security. I'm not much into insurance products but I've previously bought a couple and they worked out.

I'm not sure I'll be here in another 30 years. More concerned with the next 10-20 years.

Thanks
Rich