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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)


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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