The idea is you are always shifting rebalancing. If you are 45 you might be at 50/50 (safe/risky growth) by 55 25/75 by 60 90% is safe. If something happens a

The idea is you are always shifting rebalancing. If you are 45 you might be at 50/50 (safe/risky growth) by 55 25/75 by 60 90% is safe. If something happens at 60 where you lose 50% of the 10% in growth stocks stats show that a 5 year recovery to base levels is likely.