I guess the question is what is the purpose of this money. Do you need it for retirement or do you want to pass it on as inheritance? If the former, then your risk tolerance should be based on how many years you think you have until you'll need it based on your other retirement assets. If the latter, then you want to focus on the best vehicle to grow and pass it on tax free to your heirs.FuskieWho notes most people in their senior years are moving away from an aggressive investment approach and towards a more conservative strategy to ensure their savings will be there for them no matter what the market does...
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