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If you have a 401K heavily invested in stocks, you should be far enough away from retirement that short term swings don’t matter.





There is also a bond market collapse for those people not invested in stocks precisely because they're close to retirement.

I think that was the real reasons that tariff effects were postponed, the increase in interests in the bond markets would have been too fatal too quickly.


New retirees "should" have 35% or 45% in stocks (using the 100 or 110 rule).



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