Here's how retirees can deal with market volatility when they don't have time to 'stay the course'

In determining how much risk any investor should take, one's "time horizon"—the ability to take risk — is a material consideration. A retiree in their late 60s has a shorter time horizon than a new investor in their early 20s, but, however limited, the retiree's time horizon still isn't zero.

The optimal percentage of equities in a retirement portfolio will be driven by the retiree's need to take risk. If you don't need to take the risk, who am I to convince you otherwise? However ugly this particular market event gets, it likely will not amount to a blip on the radar when looking at your lifetime of investing.And that's especially because the most important factor in determining how much equity risk you take in your portfolio is your internal willingness to assume risk. This is the gut-check test, and if you're at risk of bailing out at the bottom — the worst possible time to sell — you must limit your exposure to stocks.

Too many investors own a collection of securities — or even a collection of someone else's strategies — that have built up over a lifetime, rather than a well-designed, purposely built, customized portfolio. Those investors should be concerned, and they should use this market hysteria du jour as the catalyst for a substantive portfolio review.

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Cramer on coronavirus-driven turmoil: Stocks to hold and 'still not too late to own some gold'CNBC's Jim Cramer said Wednesday that there are few stocks worth holding in the coronavirus-driven market volatility. most people aren't going to own gold until it's at $2,000/oz, just getting started in the 3rd leg of this bull market. Go ahead Sal from Jersey Cramer yous got my mother in Enron, now she listening to you to buy stocks, Cramer she has only one leg to stand on. Please dont take that away.. Love you, Man
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S&P 500 and Dow: How coronavirus is hurting stocksAs coronavirus spreads through the global economy, CNNBusiness is tracking the stocks, sectors and indicators most impacted, in real-time. Follow along: Business Business Is it really any surprise that Trumpdemic is potus during the worst StockMarketCrash since blackmonday 1987? Business I was listening to some cuts of your talking heads on the Hannity show, until I coiuldn't take it anymore. First, let me say as a emergency manager, and a public health professional you have no idea what you spewing forth from your station!
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