Yes there is a cost of fear when investing. Costs come in many forms … but in general it is the cost of missed returns by trying to time markets based on your emotions. A proper and prudent structure aligned with your plan for that pot of money help keep things set up properly.
There is also a cost of greed. Being too aggressive means you may suffer more decline which often means more time is needed to recover … time you may not have if you are close to retirement (and time you definitely don’t have if you are already retired).
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