Thanks. Yeah, I'm inclined to think that the answer lies somewhere in the middle. When I first started working and opened my 401(k), I really bought into the hands-off approach--save and look at it in 40 years. Gradually decrease your share of equities and increase your share of bonds. Now, the total hands-off approach doesn't seem like the way to go. I can't argue with empirical evidence to the contrary--maybe I can just hope to be an outlier!
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