>>>I think what I'm saying is that it's not quite so hard to ride out the ups and downs when you still have money coming in from a secure job. But when there is zero money coming in and no job and you are well into retirement, things look a lot different. And a lot scarier. :) <<<<Which is why having retirement projection done professionally is important. You make sure your withdrawal rate remains sustainable.What you are doing is market timing and that doesn't work.
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