Folks think that I have rocks in my head, but I only have a 10% exposure to the market thru a lifecycle fund...the rest in cash. Since I'm about 2 year away from retirement and still getting the employer match on my 401K contributions I figure I don't want to risk any losses. When I exit, I plan on tapping my 401K funds first, letting my pension mature since its guaranteed to grow at 5% . I realize I may be leaving money on the table by not participating in the market, but I can sleep at night. I don't have any risk tolerance at all....once retired will move funds into some type of guaranteed immediate payout annuity.
