This is what I think, don't let anyone push you into somthing you don't understand. I assume most of you are officers, be smart about your money, research before you invest, yes even on bad market times there is a light, there are many no-load funds that you can invest, all you have to do is request the prospectus and they will gladly will send them to you. Talk to yous Command Financial Specialist they have exellent information on what to look for when you whant to invest, also sign-up at the FFSC for basic savings and investment semminar. Good Luck