Isn't the impact of "The Lost Decade" something that will be felt most by those who retire right at the beginning of it (and maybe soon after)? As I understand it, poor returns are not as destructive of financial survivability in the later years of retirement as they are in the earlier years.Actually I think the other study mentioned by Intercst will be more interesting. But I do have to "contextualize" it. I suspect that only by retiring in 2009 or perhaps 2008 might add another negative data point. Hockeypop
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