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>> Why? Looking at monthly S&P Composite Index since 1871, there has been exactly ONE 15 year period that you would have lost money and NO 30 year periods that money was lost. IMHO, you're really not taking on much risk when you have a long time horizon. <<

True, but different people have different needs and wants, even when they are 25 or 30.

Some people want to maximize their expected portfolio and will accept a greater risk that they will fall short of what they need.

Others want to maximize their chances of getting to where they want to be, when they want to be there, and want to take the minimum possible risk to get them there.

The former should go all-out in stocks for the first decade or two. The latter, even at a younger age, may want to determine the return they need and look for an "efficient frontier" that's likely to get them there (or a little above that) with a minimum of risk.

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