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Don't get too disturbed. I am not suggesting that you become irresponsible in your investing. I think you should take a careful fraction of your retirement investing capital and look at alternative ways to invest.Contemplate taking five to ten percent of your investing capital and go after something different.Why do something different?If you are over fifty years of age, you have been warned to adjust your portfolio and your savings rate because retirement is not too far off. A number of the investments you made when you were younger just would be too perilous now.Forecast your retirement income needsSadly, the very large majority of people in this age range, and older, don't have sufficient capital accumulated to support their cash demands during retirement. Do a search on the web for "retirement calculators". Take a look at your cash requirements at retirement for yourself. I anticipate you will become very dismayed if you do this little experiment. The reason you need to do this is not because you need to get fear-struck. You need to invest a fragment of your portfolio more aggressively. Re-balance your investment portfolioCurrent teaching is to re-balance your portfolio far away from stocks and more in the direction of the less speculative bonds as you begin nearing retirement. Bonds will also provide you with current income in retirement.In any event, eliminating stocks is unwise because of inflation. Inflation diminishes the dollar's value over time, as I am sure you know for certain. Currently, we are experiencing awful inflation in the commodities markets. The main stream media doesn't talk about inflation, yet if you keep an eye on the market, you know well. Your investments must accumulate at least as fast as inflation simply to remain even. Bonds will not provide you the improvement that you need to beat inflation.So, what is the normal investor to do?Take an allotment of you investment portfolio and invest it using a market timer. How much of your portfolio? Ask your financial adviser to help you make this determination. A proficient market timing plan will reduce your emotional misreads of the market. Analyze the timer's past performance reports and trade with one that has a proficient performance record. It can make the difference in how confident you are in your retirement.
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