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No. of Recommendations: 3
There are two kinds of risk - I think you are saying you a very fearful of having say $1 million or 0.9 million a year from now. Under some situations you can "recover" from this type of loss.

The other kind of risk is running out of money when you are 81 or 86 years old. That kind of problem is virtually impossible to "recover" form.

One option would be to put your funds in one of the Target Retirement funds. Most major brokerages have them (Vanguard, Fidelity, Schwab and T. Rowe Price) There are significant differences from these providers - reading the fine print and looking at the investments is important.

You might also want to spend $5 and download the Retire Early Report#001 it talks about minimizing the risk of running out of money which for most people is the worst problem.

This whole web site might be of interest to you since they take very conservative approaches.

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