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Experts cite the Vanguard and Fidelity Retirement Funds allocation of 45% to stocks at age 65 following 110 minus the age, and other experts cite research for a 55% allocation. The importance of concepts risk horizon and risk tolerance used together. The need to look at one's own situation carefully and spending needs in retirement. The risks of too little allocation in the near zero interest environment and the risk of very high allocation to stocks is emphasized.
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