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I'm not in the same boat as the original poster of this thread (age 34 and still 16 years from retirement at the earliest), but I recall seeing something that might be applicable.

If you expect to still be living 10 or more years from now, then at least part of your 'retirement savings' isn't going to be used for at least 10 more years. Under the current Foolish (capital F) train of thought, any funds that will not be needed for at least 10 years should be invested in the best known investment vehicle for the long term. This means stocks. Just make sure that you calculate what you are going to need for the next 10 years and invest that in a money market or other 'safe' vehicle. Every year you should reallocate funds so that you only have the stuff you won't need until 10+ years invested in stocks.

Hope this helps.
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