Percentage of savings to have in the stock market

Terry Says

I never recommend being completely OUT of the stock market — unless you have only a very small amount of money and no other assets to help you through a bear market.  But since you know you must withdraw money from an IRA every year, once you reach age 70-1/2 — you need to have some liquidity so you aren’t forced to sell stocks when they have fallen sharply.  Read my most recent column on Risk Management — published just as the market is making new all-time highs — for an understanding of how to manage your investments.