Ask Dr. Job’s chief contributor, Sandra Pesmen, is a member of the Chicago Journalism Hall of Fame and author of “DR. JOB’s Complete Career Guide.”

Winner of several journalism awards, Pesmen is a graduate of the University of Illinois Media College at Urbana, and is listed in several Who’s Who editions. She also has been Corporate Features Editor of Crain Communications Inc., founding Features Editor of Crain’s Chicago Business and a reporter/features writer for The Chicago Daily News.

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YOU Must Learn to Manage 40lk

Ever since my company transferred my 401K over to my control I've been losing money. Previously they employed an investment counselor to meet with us in small groups and teach us about the stocks and bonds. I'm really floundering and wonder if I should hire my own investment consultant to help me manage this. I know part of the problem is the economy.

Ans. A LOT of the problem is the economy and even the most astute investment counselor is having a hard time finding investments that won't suffer losses and will make money while you sleep. But it is usually worth the investment to invest in an investment specialist.  He or she will know more about the risks and advantages of each stock and bond and should be able to help you decide which will benefit you most. You may want to at least try it for a few months and see if there's an improvement.

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