5 of 7
BACKNEXT
Staying the course
Name: Geo Verna
Age: 43
Hometown: Windsor, Calif.


My wife and I are in our early 40's and one year after Lehman Brothers and two years after the Dow's all time highs, we have not changed our strategy for saving for retirement.

Currently, we're 20% in bonds, 40% in large-cap stocks, 25% in small-cap stocks and 15% in international stocks. We're mostly in index funds and we revisit this quarterly and yearly, adjusting as needed. Both our companies offer 401(k) matching and we contribute the maximum. We also set up an automatic withdrawl from our savings each month into a tax-exempt bond fund.

From the high in October 2007 to the low in March 2009, our portfolio fell 43%. But as of September, it is down just 18% from the 2007 highs. Year-over-year its down 7%.

The two stocks that tanked the most are also the two biggest gainers since March: Powershares ETF Trust Golden Drg and Vanguard REIT Index fund.

Sure, as time goes on we will modify our allocation percentages, but we are staying with the path that we set to follow.

NEXT: Cashing out at the highs
Last updated September 14 2009: 2:51 PM ET
Email | Print | Share  |  RSS
 
google my aol my msn my yahoo! netvibes
Paste this link into your favorite RSS desktop reader
See all CNNMoney.com RSS FEEDS (close)
More Galleries
These 10 food trends could dominate 2015 So long, kale. Here's what's expected to shake up the food industry next year. More
Beyond Russia: Geopolitical hot spots in 2015 Investors beware: These 5 global crises are likely to rattle the stock market and world economy. More
These 20 antique guns could fetch big bucks Morphy Auctions in Pennsylvania is putting nearly 1,000 old guns on the block. Here are just a few. More

Special Offer

Most stock quote data provided by BATS. Market indices are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer.

Morningstar: © 2014 Morningstar, Inc. All Rights Reserved.

Factset: FactSet Research Systems Inc. 2014. All rights reserved.

Chicago Mercantile Association: Certain market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved.

Dow Jones: The Dow Jones branded indices are proprietary to and are calculated, distributed and marketed by DJI Opco, a subsidiary of S&P Dow Jones Indices LLC and have been licensed for use to S&P Opco, LLC and CNN. Standard & Poor's and S&P are registered trademarks of Standard & Poor’s Financial Services LLC and Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC. All content of the Dow Jones branded indices © S&P Dow Jones Indices LLC 2014 and/or its affiliates.