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OK, I'm not really the retiree, it's my mom. We've been working on reallocation of her IRA portfolio, from which she's been taking distributions for several years.

I'm a practicing long-term, buy-&-hold investor, but it strikes me that my mom's need to have access to these funds is much more immediate than my own. I told her that she needs to be more invested in stocks than she is today, but the spectre of a prolonged stock market slump as she approaches her 80's has me spooked. I find myself second-guessing my own advice.

I've been trying to get beyond the rote allocations and one-size-fits-all advice one gets from the calculators that are commonplace on the Web & investment company retirement info packets. I'm looking for something more insightful. As usual, my first instinct is to scour the Fool for insight & common sense, perhaps a nice essay or two. I'm having a hard time finding such. And, much as I've enjoyed scanning this board, I can't really see myself having the patience to click back through all the postings here, most of which are not on point with my burning question, just to find a couple of pearls.

Anybody know where I can find what I need, preferably without having to leave the comfort of my own computer (though a library visit isn't out of the question)?

Thanks in advance.
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