Q. I am currently 100 percent invested in the 2030 L-fund, and I plan to retire within the next 4-5 years. Although I am concerned about maintaining my principle, I am just as concerned about inflation. Do you think it would be wise to switch to the 2020 fund now?
A: I don’t endorse or support speculative market timing. You should ALWAYS be in the lowest-risk asset allocation scheme that will safely support your lifetime cash flow needs.