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There's an article in the archives of fool.com called the THE FIVE YEAR CUSHION, where you project your needs for five years and keep the rest invested in stocks or S&P 500 index.
Year 1: The money is keep in a money market account.
Year 2: Money is a one year CD or T-bill
Year 3: Money is a two year CD or T-bill or Bond
Year 4: Money is a three year CD or T-bill or Bond
Year 5: Money is a four year CD or T-bill or Bond
From then on each year you determine your money needs for next year, five years away and buy your Year 5 CD, T-bill etc. If the market is down at that point, wait it out, you have 5 years worth of cash or equivalent so there is no rush. This the basic idea, but read the article for details. I'm not sure which archive it is in without checking. I am just retired and this is the way I am planning to adjust my investing.

glenn
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