<prompt> Human: Basically you or I have long way to retire so max out the 401k as possible or IRA, Roth IRA and make sure to place it in the most aggressive fund there is all equity. Of course I would also keep 5 in treasury funds ETF maybe so when an recession hits just sell those and convert to equity buying low. And change your agressive investments into defensive after 15 years or so. Why?You only loose if you sell and you are not in rush anyway to retire. 1 share of the fund you had will still be 1 share just devalued during recession but as proven over 100 years of history, US equity markets always bounce back. Any thoughts or ideas??  <response>: This is what my fiance and I are doing. Everything is in SP500 and total stock market index funds. Dont confuse risk with volatility. The ride is volatile, but the length of time in the market decreases risk. 