And when it goes down the answer is to buy the dip. If you have funds needed for other things, they should be in lower-risk investments. As people get older,

And when it goes down the answer is to buy the dip. If you have funds needed for other things, they should be in lower-risk investments. As people get older, they should be moving large amounts of equities into bonds to lock in their gains. There is a reason people still have things like checking and savings accounts and CDs.