Our Terms of Service and Privacy Policy have changed.

By continuing to use this site, you are agreeing to the new Privacy Policy and Terms of Service.

5 of 7
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
Black Friday 2015 in pictures Shoppers around the country braved the crowds to get their hands on the best Black Friday deals. More
Driving the ultimate in '50s Mercedes-Benz style The SC was the car that re-introduced Mercedes-Benz as a global luxury car icon. More
Driving the world's first car Driving a replica of the 1886 Benz Patent Motorwagen, the first internal combustion automobile. More

Special Offer