[anyfoo]

> Don't gamble with money you can't do without, is what I was trying to convey.

That's fair, but my point was that retirements saving are money one "cannot miss" (as in the original comment) or "can't do without".

And yet I think it has to be invested, for example in the options you listed, because keeping it in a bank account will only expose it to inflation, and hurt your retirement.