But to help you with that decision, the Office of Human Resources is holding an investment education seminar on "Investing in a Market Downturn."

Seminar scheduleApril 1: Medical Campus, Cori Auditorium, 8:30-10 a.m.; West Campus, Library Conference Center, Room A/B, 1-2:30 p.m.; and Hilltop Campus, Brown Hall, Room 118, 3:30-5 p.m.April 2: Hilltop Campus, Simon Hall, Room 106, 8:30-10 a.m.; Medical Campus, Cori Auditorium, 11:30 a.m.-1 p.m.; and West Campus, Library Conference Center, Room A/B, 5:30-7 p.m. April 3: Medical Campus, Erlanger Auditorium, 9-10:30 a.m. and 4-5:30 p.m.All University faculty and staff are invited to one of eight sessions, which will be conducted by consultants from TIAA-CREF and the Vanguard Group and will be aimed at addressing employee-investor concerns.

Some of the concerns addressed will be determining which investments are right for certain goals; what people should do now that the stock market is down; and how people can stay the course with long-term diversified investing.

Reservations are not required to attend a seminar. However, if interested, employees can schedule a one-on-one session with TIAA-CREF or Vanguard consultants on the same days as the seminars.

To schedule a 30-minute appointment with Vanguard, go online to meetvanguard.com or call (800) 662-0106, ex. 14500. For TIAA-CREF, go to tiaa-cref.org/moc or call (800) 842-2005 and ask for the Washington University Appointment desk.

For more information, contact your benefits department.