Thankfully, I did that 20 years ago - so, if the philosophy holds, you are on the right track... I hear some analysts say, these are different times - - and at my age [110] you adjust your philosophies anyway because spending the money at 130, well, there is just less fun to be had... and losing some in the short term, well that is losing some in what might be the only term... so, I have become more cautious... used to be 80% invested and now I am 10-15% invested... just wait until you are 100 years old, you will understand.