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Hello, I would leave it where it is at and go to another investment counseler and have them review the investments. I still think even with all the downturns it is best to leave it in the market as the history of the market shows an average return of 15%. I think we will have about 18 months to 2 years of these up and down cycles but after that it should recover most of the losses and start to grow. If the investments are not suitable then change the investments but do not pull out of the market. Thanks Tom