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Many investors see light, some fear more tunnel is ahead

When Sacramento certified financial planner Tina Florence sat down to write Christmas cards to clients earlier this month, she added four kind words to some that had little to do with holidays.

"This too shall pass," she wrote, referring to her clients' portfolio account statements that are showing "breathtaking" declines ranging from 19 percent to 50 percent.

"The losses have been staggering. There's been no place to hide," Florence said. Almost every type of investment – stocks, bonds, real estate – has been hit.

Looking ahead to 2009, most investors fear they could be in for more losses.

What should you do with your money in 2009?

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