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You're being too hard on yourself. Lots of people who have 25 years before retirement have kept their money in their investments. Unless you have stocks in companies like GM which may not be around much longer, you may have done exactly the right thing by staying put. But you can't go through life being afraid you've made bad financial decisions. Get professional advice (the kind you pay a fee for -- not the kind that earns its compensation off of commissions -- they'll just churn your account.)