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And if the market crashes when you are retired? What are you supposed to do? I don’t think it’s sound advice to keep your retirement in stocks when you’re actu

• richardw 7y ago
  You only need to keep "crash /recovery" money around, which is a risk because you don't know how long that is. 5? 10? But you also don't know how long you'll live for, so to have your money doing nothing for 20/(30?!) years could hurt. My wife's grandmother is 99. That's a long time in low-growth near-cash.