yes and you didn't tell me what your portfolio looked like only that you had it at the Hartford so it must be an annuity or something similar or maybe just IRA's like you say......hope you have a great broker.....it really all depends on what your goals are and your time horizon. At your young age you will see SS but don't know if you worked or not so not sure how much you will see.......the Hartford is not an investment but a company that uses mutual funds or annuities to achieve your means.....you should have a balanced moderate to mod conservative portfolio that has at at least some growth like 30% or so and the rest in income producing instruments if that is your need.......always need to keep some in stocks (mutual funds for you) so you have growth of your portfolio long term to keep up with inflation.......
Yes, I worked. I don't now. And yes, I have stock. I guess there are annuities. I don't understand that stuff as I said. My broker just did it all, I just told him to pick safe things and he did and it has grown very well. :) Since my husband trusted him (he was an accountant) I trust him, too. I know you are groaning, but what else can I do? My eyes glaze over and my ears roar if he tries to explain it to me.