[deathanatos]

I mean… that defeats the point, no? Surely you must plan to use the money at some point, even if that is just enjoying the end of your days. That's still a time horizon.

> I don't put money that I might realistically need in the market

While it's great that you might have a time horizon far, far into the future, not everyone has that luxury. In theory, I'm supposed to purchase a home & start a family around this point in my life, so that's a rather quick time horizon for at least some portion of my wealth.

[s1artibartfast]

I think you have a point. I should have been more clear. What I'm saying is I don't account for anticipated withdraw when investing. That's not to say I don't or won't do it, just that it's not a consideration when putting the money in.

I treat the question of if I can afford to take money out or if it is a good time to take money out as an entirely separate topic.

I found that trying to optimize investing and weigh risks for a short-term Horizon will drive you crazy.

[xeromal]

My strategy is to ignore it until about my late 40s early 50s and then start slowly cycling it over into more reasonable investments and bonds.