In the final analysis, you have to be able to sleep at night. If holding a good dollop of stocks is robbing you of sleep, then lighten up. But keep in mind that the way the investment markets perform over the next few years, even over the next decade, should not be an overriding concern of those who will need the money to last for several decades. Taking little or no risk with all or most of your money could result in your having to cut back on your living expenses later in life.
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