[J1ceasar]

As many people have said you probably have a pretty good allocation depending on your age quantity of money and if you have other retirement benefits. I would say if you're living in The villages and you have SS and the money in the bank you're doing okay. There are many other risks as you approach older age as I say including debilitating diseases and long-term healthcare in a home. Both you can buy insurance for but it will be very expensive today probably at your senior age. The other thing you don't talk about is if you have good children. And I mean good. Sons and daughters that will come visit you or take you in if you get dementia or reach your late 90s and need day by day help. These are things I don't worry about as I know I have three great children as well as a wife. There are many people that marry somebody 10 or 20 years younger for this reason. If you have a lot of capital I wouldn't necessarily do this but it's just another thought.