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Carbonbased, what would happen to your family if (heaven forbid) something bad happened during a bear market, when your portfolio was down 20% or more? For example, if you and your spouse lost your jobs at the same time, as happened to DH and me in 1997?

Is it really safe to be 95% invested in the market? Especially when the market is rising so much faster than GDP, as happened in 2000?

Wendy (wishing you the best)

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Wendy, it seems that the stock market is reliably two steps forward, one step back. I was also 95% invested in 2008 when stocks got cut in half. Within a couple of years I was made whole again, and my investment has quadrupled since then. So a better question would be, where would I be if I had played it safer with a 50% or less allocation? I would have roughly half the retirement funds that I do have now. I am sure that a 20% haircut will happen, but that would still put me ahead of what I had on 1/1/17, and I would still have three times the funds compared with 2010. Thanks for asking and I wish you well also.
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