[somic]

My expectation of a typical HN reader is that they are saving for more things/experiences/goals, not just retirement.

[kerryfalk]

I'm curious why you would have that impression and why you think investing is the way to achieve those things.

[brianwawok]

Nothing saved for the short term should be in stocks. That would be an easy way to lose 30% of your vacation fund I'd you needed to sell on a dip.

[tedmiston]

Probably true, but I would also assume most readers are not putting all of their investments into one single fund for retirement.