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Reply to "What do people do when a serious downturn happens 5 years or so before retirement?"
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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Most of my retirement money is in a target date fund. I *hope* that this is mitigating the risk somewhat? Can anyone weigh in? [/quote] It's mitigating the risk relative to the percentage of bonds in your target date fund. But if you have too high of an allocation to bonds, you still run the risk of running out of money due to lower returns.[/quote] Not if you adjust your withdrawal rates to account for this. If withdrawing at 3.5% with a mostly indexed fund portfolio all bur guarantees you don't run out of money, perhaps withdrawing at say, 2% would do same if your money is mostly bonds. [/quote]
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