Kdhax

I've been investing about 3 years and I have much to learn. My horizon is at least 20 years (age 63), so I have a good amount of time left in maneuveur in the market mutual funds.

I'm trying to decide if I should write one or more mutual funds and plow those products in the remaining account, or hunt for new opportunities outside the family now?

Let me show you my mutual fund, I used the box Morningstar Yahoo Finance to "label" of their categories:

Of great value: CAIBX, CWGIX, KDHAX, TEMFX, TEPLX.
Large Blend: ANWPX, MDLOX, FUSEX, AIVSX, NEWFX, KBCAX
Large Growth: JDCAX, FDIVX, JAMRX, FCNTX, AGTHX
Middle Blend: GCMAX
Average growth: WRMAX, KGDAX
Breakfast Blend: GSSMX

Some of the above funds are, in my traditional IRA, and former employer's 401K, with a regular investment account for my wife and me to supplement our retirement. Yes, we pay an initial charge, but that is not my concern right now. Our value of paper on these mutual funds is only $ 101.700 of August 4, 2009.

Now, since the overall stock market in the United States is still down compared to 2007, and when we saw good gains, should I wait until the end of year data / information to sell, effectively to the sale (or the change in the 401K) some of my funds / on January 4, 2010 (the 1st is a Friday) or hold them until 2010 calendar year, and then sell them at the end of 2010, after I gave a chance to flourish? I do not want to make a move too soon, before the takeover, unless I can position myself for a large potential, the long-term gain. I know, nobody has a crystal ball that can see into the future but I'm hopeful.

My own research suggests that I should throw the dogs "now and spend my money in other funds. But in doing so, I feel that I have not given my current funds a chance to prosper if the economy is definitely the improvement.

Yes, I know to buy low and sell high. So if I decide to wait to sell my "dogs" and when should I sell: when they reach the price I originally paid for them or when a percentage of growth was reached WRT to what I 've paid for them (for example, if I paid $ 10 for a mutual fund, should I sell when it reaches 10% ($ 1) or 100% ($ 20))?

Finally, what is your opinion, where appropriate, my mutual funds listed above? Can I do better (and perhaps worse) and with whom?

Like riding your answers, I'll try to add details to explain the curious person.

Thank you. I am glad to hear you.

I think you have waaaaay too many mutual funds and too many sitting in the same area.

What you really do is pay a fee and / or commissions and do not increase performance or reduce your risk.

"My own research suggests that I should throw the dogs" now and a quarter of my money in other funds. "
... Not always the best strategy.

For reasons of respect, I do not make specific recommendations customized to buy or sell here.

I will choose a fund and the problems (my historical average) beat 80% of the time all of these funds during your 20 years.

NYSE: SPY (S & P 500 Index) ETF
I would also consider the average cost of a Roth IRA and after all matching contributions were met with your employer.

SPY
http://finance.yahoo.com/q?d=t&s=SPY
http://en.wikipedia.org/wiki/S&P_500

Average Method
http://en.wikipedia.org/wiki/Dollar_cost ...

Roth IRA