The question I would ask is what kind of environment do YOU or YOUR family need!!

Also what is your time frame, are you close to retirement ? or just starting.

There are no set answers, but most will think their solution is best…

At worst they will apply their logic to YOUR situation. I even know people who bought at the top of the market but for them it was the best solution.

Others who did not just to lose it all in the stock market.

There is no one correct answer.