In Reply to: The question is,.. posted by SagoBob on March 10, 2025 at 13:29:07
How one should be invested depends on horizons, whether you’re trying to accumulate wealth over many years or relying on funds for retirement now.
I was always aggressively invested until last year, when I readjusted to reflect fact I might want to retire some day. My current retirement funds is still pretty aggressive and has taken about a 10% hit since last year.
Most fund company have products which are geared towards current retirees or prospective retirees which re-balance every year. Capital gains aren’t realized until you take a distribution from the fund.