[ScottinVA]

So the only folks who need panic now are the ones who need their stock money in the next couple of months. But those folks shouldn’t have been in stocks in the first place.

I totally agree... stocks are a long-game venture. When the market is skyrocketing, too many immature kids who have no business investing throw money into the game, only to run like scared rabbits at the first sign of trouble.

[Leaning Right]

> I totally agree... stocks are a long-game venture. <

Warren Buffett once said something like: I don’t know what the stock market is going to do tomorrow. But I do know that it will be higher ten years from now.

So if you don’t need the money for a decade or more, buy stocks. Then reduce your stock exposure as your cash-out time nears. That’s why I like those target-year funds. They do all that for you automatically.

I just wish those funds were available when I was 20.