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I am 53 and hope to retire in 10 years or even less if possible. My philosophy is that you need to be as agressive after retirement as before. People live for 25 years or more after retirement. So you need a very long horizon. A conservative strategy is what gets you into trouble and you run out of money before you run out of time. My plan is to keep about 10% in cash for protection against market "corrections" and 90% in the most aggresive strategy I feel comfortable with. Right now that FF + BSP5.

Joe Varga
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