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I’m no expert and you will get much better info from the other long timers in here soon but I’m pretty sure they’ll manage your portfolio based on when you’re likely to retire. Since you’re set to retire in just 12 years, the likelihood of the percentage of the portfolio being invested into safe investments like bonds goes up.
The S&P has historically returned something amazing like 10% on average in its lifetime so it is tempting. The issue is, it is volatile. You don’t want to be set to retire and have a year like 2008 hit your portfolio.
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