nty, a d s thhting on@& things rbuon, ory college fund, with me nosor with the americg here. st of all, who needs to be concer this roller coaster we've been on with the stock market? jamie hopkins: yeah, so, really, the peop tne to mmñ so people nearing retintore coopleuc term,ped: whre t way t401k plan,p anre made upven your savings for yo what that means is if you get really volatility is actuour ri tolerdo you feel comfortable being that much in stocks? something drop a thousand points tocks, bonds, guaranteed income to mewhat--how you erin: e stock market on a rollero to speak, right now?correction or is i jamie: yeah, so u can watcten di cterm so, one of tre probably going to hear that a lot over that's really kind an artificial term that was s, peak? and so, arver thla at occurs about every two s pretty nore, only twice out of those last ten gone worse than that. so that would be 2000, the dotcom bubbl and then kind of our largeet recession in 2007 to 9 timef you know, right now, there are some good explanations on why

the stock market is moving up and down. we had a big tax law change, so some people thought that the markets might have kind of gone up a little bit high.x cuts and now they're readjusting once we see a law and can understand it a little bit so, interest rate changet big driver. interest rates rising, there's a very good research out there. actually, bob johnson, who is the president of the american it's one of warren buffett's favorite books too an but that, as research has shown, as interest rates rise, stoclues decline, why? fer investments like bonds and cds, so that could be driving a piece of this volatility now too. erin: is there anyone who should consider getting out of stocks right now? you mentioned if you're nearing retirement, but how close are we talking, like, you know, should i pull out right now this second? jamie: yeah, so we have some rule of thumbs around that. but usually with your--within three to five years of retirement, in the first three to five years in retirement. that's almost kind of like a risk period when t when you should have the least exposure to the market than, otr that's kind of the danger zone. so, if you retirsit down with an adviser

somebody who understands retirement income planning and says, "you know what let's readjust your allocation."now, also it's important to real to this year the mart the market beingth.over tr, it's actually up tremendous.it actually is not a bad time for s people looking to spend this money soon to readjust their investments. erin: do people who are saving for retirement are there other saving options that are as good?jamie: yeah, so once you're talking ab really--the kind of the focus switches from kind of saving and investing to generating income, right? that's what you need, you need cash flow and income; so then you are going to look at things like cds, bonds, and, you know maybe annuities. and that's not for everyone, but it is an option for people to look taking money out of the market and putting it into a safer investment, making sure you're making good decisions about social security, that's an important one. that way that most people generate their retirement income and then making good decisions aboutn options,nstead of holding stocks. and that's something for people to look at. erin: what about folks that are not nearing retirement? kids are not going to college anytime soon.me thean, are stocks on sale,

so to speak?smark s jamie: yeah, historically, you get back above that withiso you could say thisoot a good time for a lot of people to paniand se so at least stay the course orthonsith, ng just kindf contkee strong todayhadtion b employment iow.pretty discuss the future h why is higher education?th, you should take it. e thatasn't been written. we took two renowned univer including a premiere medical school and created a single university that defies convention. and making old look new and making sure new is not enough. we're adding more weight to your degrees and more meaning to your careers, going where others wouldn't dare, making connections and setting tomorrow's standards by breaking today's, because we belierawn are meant to be crossed.

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