What’s Worse: Losing Money or Not Making Enough?
Is the pain of losing money greater than the joy of making money?
The problem is that most people NEED to take some risk to realize their retirement goals because the rate of return needed is greater than the risk free return.
With inflation, there’s opportunity cost as well.
One of the things I do for clients is work with them to balance these competing desires of growth and principal protection. Call me if you’d like to discuss this in your situation.