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Message: [QUOTE="temery, post: 3833477, member: 1"] Perhaps. But I took everything out of the market when I retired in 2015. I would have been far better off had I left everything in the S&P index fund. No regrets. What sucks is there is no safe option like my mother and grandmother had. They were able to buy bonds making 8+%. I have a former coworker who put $10k in bonds in the late 70s/early 80s for each of their kids college fund. Kids graduated in the late 90s and they didn't have to pay a dime out of pocket for their kids college education. These low rates are great for those refinancing. They suck for retirees. [/QUOTE]