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Message: <blockquote data-quote="fatcpa" data-source="post: 4233416" data-attributes="member: 11311"><p>Unless you have substantial other assets, your tolerance for risk (or pain) should probably reduce as your years to recover decrease.  If you’re 45 and lose in the market you have a good long while to recover. If you’re 65, not so much. I’m 75 and have opted for the stability of CD’s, Treasuries, and even money market accounts. At this point in my life I have little tolerance for drama.</p></blockquote><p></p>