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Me! I’ve only ever bought total market index funds and they’re just gonna sit there for as long as I live, no matter what. If the world’s total stock value cras
by bryananderson 3y ago
Me! I’ve only ever bought total market index funds and they’re just gonna sit there for as long as I live, no matter what. If the world’s total stock value crashes permanently, I’m probably worried about something other than my retirement plans.
- fantasticshower 3y agoI am more worried that when I want to start selling them so I can retire coincides with the beginning of a long drawdown. I suppose one way to address this risk would be to save even more and don't retire until you have way more than you calculate you'll need.
- bryananderson 3y agoOne adjustment you could make is to slowly rotate into bonds (also via a highly diversified fund) as you approach retirement to dampen volatility (at the cost of lower returns, but hopefully that’s fine by the time you’re approaching retirement)