That is more stressfull, but even if you are nearing retirement most of your savings generally have a longer time frame. Generally you would be moving some of the money to a lower risk investment in the leadup to retirement as the investment timeline gets shorter, into things like bonds which have been going up.
some of us don’t have the long term , we are in short to medium term
That is more stressfull, but even if you are nearing retirement most of your savings generally have a longer time frame. Generally you would be moving some of the money to a lower risk investment in the leadup to retirement as the investment timeline gets shorter, into things like bonds which have been going up.
that’s exactly what I did