Читать книгу Personal Finance After 50 For Dummies - Eric Tyson - Страница 92

In addition to the time horizon we discuss in the preceding section, your need to take risk also should be factored into your investment decisions. If the money that you’re investing for retirement grows too slowly, which may happen if you stashed it all in bank accounts and treasury bills, you may not be able to retire when you want or live the lifestyle you desire. To reach your retirement goals, you may need to take more risk.

Although your retirement goals may require you to take more risk, you don’t necessarily have to. Retaining a balanced portfolio of stocks and bonds where you have appreciation potential from the stocks and more income and less volatility from bonds sounds good in theory. But if you’re going to be a nervous wreck and follow the stock market’s every move, it may not be worth it for you to take as much risk. In that case, you need to consider rethinking your goals. Also, if you’re in the fortunate position of not needing to take much risk because you’re well ahead of your retirement savings goals, taking more risk than necessary may cause you to lose what you have accrued. (Chapter 3 provides more on retirement planning.)