Buy low. Sell high.

The yellow flagged message at the bottom of the graphic reads:

"Based on your current stock holdings, your investment mix may need attention.  Explore how to get back on track.  Explore your options."

From the New York Daily News  (Drained pension fund has retired workers pinching pennies to survive, doom looms across U.S.)

"It’s a nightmare, it has just devastated all of our lives."

"They said they were running out of money, that there could be no more in the pension fund, so we had to take the cut"

Milton Acosta, 75, was a dockworker in Local 707. He retired at age 62, figuring his union pension of $2,300, coupled with his Social Security, would keep him and his wife afloat.
Now his pension is $760 a month after taxes, he said.  “I pay $13,000 a year in property taxes alone. My mortgage is $2,300 a month,”

His pension is $9120 per year. He pays $40,600 per year for just his property taxes and his mortgage.  That is not sustainable.

The trucking industry — almost uniformly organized by Teamsters — has suffered enormous financial losses in its pension and welfare funds due to a crippling combination of deregulation and stock market crashes, Nyhan said.

 I am perfectly happy having 2/3 of my savings in short term bond funds.

One of the first rules of investing is to buy low and sell high.  Looking at the equity markets...they look high.  And nearly all of the gains are coming from very few firms.  I am not much of a furniture builder, but I know that the higher you build something and the fewer legs you use to hold it up, the shakier the structure and the rougher the ride down.

Thanks but no thanks.  I will stand pat.