It matters for two reasons. First, it gives some people (including myself) peace of mind that without it might otherwise prevent investment in some of these ve

It matters for two reasons. First, it gives some people (including myself) peace of mind that without it might otherwise prevent investment in some of these vehicles. Second, you will probably draw down (or switch into less volatile investments) eventually, and so it ups the probability that when you do you so all will be OK. Of course, it also yields higher returns on average, so it is a win-win really.