So, when putting your personal investing strategy together, make sure you have a very clear understanding of your financial goals and your time horizon, as well as your personal tolerance for risk. And getting a very clear and firm understanding of those is essential because the next step is having confidence in your strategy and being able to stay disciplined and execute that strategy even during market downturns or throughout periods of volatility. Once you have all those elements in place, we'll talk abo ...

Group 1 - The article discusses the importance of balancing risk and conservatism in investment strategies, especially for individuals nearing retirement [2][4] - It emphasizes that emotional factors play a significant role in investment decisions, and acknowledging fears can lead to better investment strategies [3][4] - The 4% rule is highlighted as a guideline for sustainable withdrawals in retirement, suggesting that a balanced portfolio of 50% stocks and 50% bonds is optimal for longevity [5][6] Group 2 - The article warns that being overly conservative with investments may actually decrease the likelihood of sustaining funds throughout retirement [6]