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<p>[QUOTE=&quot;Sholom, post: 779811, member: 17753&quot;]Exactly.&nbsp; The reason, of course, is that the 20- or 30-something still has a few decades to recover from a disaster, but someone in his 50&#039;s or 60&#039;s does not.</p><p><br /></p><p>Consider: if someone was attempting to retire this year, and had all their stuff in the stock market, they&#039;d have to be planning an alternative.&nbsp; That&#039;s why, they say, about 10 years out, start moving stuff to conservative stuff, and as you get closer, you have a higher and higher percentage of it in super-safe stuff like CD&#039;s.[/QUOTE]</p><p><br /></p>

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