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To: Dale Baker who wrote (14629)	1/16/2000 12:24:00 PM
From: Richard Tsang	Read Replies (1) \| Respond to of 118717

Dale, the portfolio I maintain at DLJ is becoming a significant part part of my total nest although it started as additional savings. I can't afford to put the kind of risks into it as I used to. It now has fully invested in more than 40 stocks, and quite diversified. It went up faster than the market and will go down faster too. However, having the others in the more stable stuff, I don't have to lose sleep if that happens. My 401k money is 1/3 in money market funds 1/3 in small caps index (RUT) and 1/3 in employer's stock. There is also this defined benefit pension and SS, that will take care of the basics when I join the retiree ranks in 5 years. Having said that, I still prefer not falling into that hole again - it just doesn't feel good <g>. Rich