> If you need to retire in the next five years, you should already have started moving out of equities. It's too late to change that now. This is still a grea

> If you need to retire in the next five years, you should already have started moving out of equities. It's too late to change that now. This is still a great time to reallocate your money. The SPDR fund that I invest in is still about where it was 1 year ago.