> dramatic loss of savings of no fault of the naïve general investor. Not weighting your investments towards bonds as you get closer to retirement is solely on

> dramatic loss of savings of no fault of the naïve general investor. Not weighting your investments towards bonds as you get closer to retirement is solely on the individual. > These investors are told to never sell even in a crash Realizing losses on money you don't need for 20 years is an incredible stupid thing to do. The instruction here is almost always correct.