Back to the comments on IRAs. You can keep your 401k at your existing company if it is over a certain $. Otherwise transfer directly to an IRA. The IRA fund that you pick will be able to help you with that.
Roth IRAs have the advantage that you can withdraw the principal without penalty. I have a small Roth IRA that is a rainy day fund. If you hold the account for over 5 years, the income is tax-free after you retire. There are calculators online that show whether to convert a 401k or IRA to a Roth, but it's complex and I agree that you would want the advice of a CPA.
I had been putting off reevaluating my investments, but I think the "Do it now" blog entry got me to get off my duff and do some research. One article I found useful and similar to the MSN article was an NPR story, "Yale's Money Guru Shares Wisdom with Masses" here is the link:
http://www.npr.org/templates/story/s...toryId=6203264
Good luck!
Joan