We have incredibly crappy choices. Even the bond funds make me very nervous since they appear to have a high exposure to residential and commercial mortgages. I wish we had choices of publicly traded mutual funds. Ugh.
Oh – and I recently pulled all but 16% back to the cash fund. I’m convinced we’re in for a big dogleg down.
Now, my self directed IRAs – I’m up about 18% for the year, and have fully recovered to the late 2007 levels. (I’ve also got a serious cash position on these, as of last week.)