Stocks have outperformed bonds over long periods of time but are riskier, so if you need cash soonish (close to retirement), you should be in bonds, but if you'

Stocks have outperformed bonds over long periods of time but are riskier, so if you need cash soonish (close to retirement), you should be in bonds, but if you're not going to touch that 401(k) for 35 years, then you should be in stocks.