• hark@lemmy.world
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    18 hours ago

    People at or near retirement age should have a 401k invested in more safe funds with a higher mix of bonds. Why would they have such a high proportion of stocks that a drop in the stock market would impact their spending habits?

    • AdamBomb@lemmy.sdf.org
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      16 hours ago

      Yeah, exactly my thoughts. At retirement age, most or all your investments should be low risk.