Analysts said the average days left to maturity of securities in taxable portfolios fell to 60, from 61.

Mr. Evensky, whose portfolio fell 2.58 percent, took fourth place for the quarter.

The portfolio fell 2.7 percent in 2001 and about half of a percent the next year.

The markets have a bad month and the portfolio falls 5 percent, to $95 million.

After all, many people in their 20's and 30's have watched their portfolios fall along with most everyone else's in recent months.

Analysts said the average days left to maturity of securities in portfolios fell by a day, to 65.

Analysts said the average days left to maturity of securities in taxable portfolios fell by one, to 64.

Donoghue's analysts said the average days left to maturity of securities in portfolios fell by 2, to 63.

Ms. Waldrip estimated her portfolio had fallen 60 percent this year.

Today her portfolio has fallen in value to the original inheritance from her father.