We all know there is a risk to investing.  We never really know if the market is going up ...  or down.

Most of our lives, this isn't an immediate issue for most people.  They are in the market for the long term and "conventional" wisdom is that you shouldn't sell when the market is down, but rather wait until it comes back, which is invariable does.  

Note:  This post does not provide any specific information for individuals to use for investing.  That is your responsibility alone.  This is NOT investment advice.  This article is to highlight an element of investing that you should consider in your own investment plan.

Near Retirement?

Although it's often the plan to "ride out the storm" of a market downturn, there is a time when that can be difficult.  When you are relying on those investments to create your retirement cash flow.  You need monthly income, which you get from your investments, and now they are down. ...