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SUSAN REY

41, supervisor, Tampa

Q. How did you get started in investing?

I started investing just out of college when I was an intern for a TV station in the mid '80s. The station's consumer reporter thought everyone should invest.

Q. What is your best investment so far?

I would say probably my employee stock.

Q. What is your worst investment so far?

Buying the hot funds, mutual funds, when they're at their peak.

Q. What have you learned about investing that you think all investors should know?

I believe in the pay-yourself-first (idea). You should save regularly and consistently over time. Even if the economy is not doing as well, it's still important to save. Keep to your investing goals.

Q. How would you describe your approach to investing?

Between conservative and aggressive, based on the types of investments and mix of investments.

Q. How you invested now?

More 60/40, 60 percent stocks, 40 percent income investments.

Q. Do you think now is a good time to invest?

I do. For people who want to retire and have college savings for children, you should always be investing. What you invest may vary from time to time, but people should always be investing.

Q. What is your goal for investing?

I try to save at least 20 percent in my 401(k).

Q. What is your biggest money concern right now?

College saving and retirement.

Q. Where do you get your investment tips?

I use information provided from the companies I invest in and the Internet, and I read magazines.

_ FRED W. WRIGHT JR., Times correspondent

The Times Money Panel is composed of more than 500 readers who have signed up to share their opinions on making, saving and spending money.

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