31.   Other investors are avoiding Treasuries altogether.

32.   Other investors avoid them because they are often redeemed early and tend to lag when interest rates fall.

33.   Q. Should investors avoid software?

34.   Risk-averse investors are avoiding the whole sector, he said, a pattern reflected in the flow of mutual fund money.

35.   Schachter said investors should avoid shares of computer retailers, because of their slim margins and stiff price competition.

36.   Some investors avoid buying securities issued by companies that are not considered investment grade by large credit rating companies.

37.   So which companies or industries should investors avoid?

38.   Still, until the reasons behind the resignation are clearer, investors may avoid making bets, Dewers said.

39.   That caused some investors to avoid the bonds.

40.   That way, investors can avoid paying the transaction costs and management fees associated with buying bonds through a broker or investing in a mutual fund.