when you are managing your money there's a point could become like wrecklessneks. you could see this when people save for retirement. i say invest don't save. because saving sounds like socking the moneyway like a lolo fund, something no one would invest in, but somehow feel you will be fine. that's not how it works. not these days. not this age. most peoeoe when theyy are putting money away for retirement feel like they shouldn't take on too much risk that their retirement savings are too important to jeopardize by investing them in stock. i understand why many of you feel this week, stocks go down, unlike bondnd but if you believe there's less chance for down side that's not intelligent. i ll it wreckless. in fact investing none of your 401(k) money in stocks are more likely to jeopardizing long run savings then investing in stocks. you are racing against time. you need to generate enough money to support yourself by the plan you retire. qf you load up on bonds in 20s, 30s and 40s avoiding stocks because of the risk, you will never generate enough money to retire