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>> I also share your frustation about the rule about investing conservatively as one nears or is in retirement. I am 44 and will be retiring next year if all goes well and am currently and will remain 100% invested in the stock market.

What I have done is to diversify more and invest more in blue chips to provide more stability in my portfolio. I still have a number of tech and internet stocks, but
my exposure is less than in the past. <<

That sounds about like what I'll be doing. I refuse to follow the common wisdom of giving up stocks, but I probably should cut back a bit on my Rule Breaker type stocks.

Marian
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