<prompt> Human: Hello! I posted the other day asking for debt advice. In that post I stated that my 401k was 100 BAC. Most everyone said I was stupid and should diversify as soon as possible. Well, I went on the investment companys website and my year to date personal rate of return is 59.9. I dont know this stuff...but isnt that really good?  <response>: Past performance does not necessarily predict future results. --The SECYou lucked out and managed to buy low. The next step is to sell high and get yourself a lot more diversified. 