At what point do you add bonds, savings accounts and the like to retirement investing and what do you buy? According to the retirement advice posted on the fool site stocks and possibly index funds are the most important thing for long term retirement investing. So that is just fine for while you are saving. At some point though you will want to have some protection against a downturn in the market when you are no longer earning an income. Do you put your money in a savings account, buy bonds, a bond fund, T bills or what?
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