As emotional creatures, we tend to get very happy when the market's up and very scared when the markets down. That causes us to buy high or sell low which is the exact opposite of what you're supposed to do. Half of Americans are sitting on cash right now. They're still shell-shocked from 2008.Meanwhile, the market has doubled in value since 2008.* You may reduce your risk of running out of savings during retirement by understanding/planning for five key retirement income risks: Longevity, Market performance, Withdrawal rate, Inflation, Long term care Quote from Ric Edelman April 2014
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