Market timing is a sucker’s sport, and buying and selling in retirement is a really unhealthy concept. Mr. Naples, described in The New York Occasions, “discovered that it’s exhausting for a person investor — even a retired one with plenty of spare time — to outdo the professionals and beat the market’s maddening volatility.” Researchers Odean, Andrade and Lin accomplished a examine and located that “buyers naturally get excited by investing throughout bubbles and are sometimes blinded by emotion. In the event that they’re enthusiastic about, say, tech shares, they purchase extra of them. As a result of nobody fairly is aware of when it’s time to go away an inflated market or when to return and store for bargains, tens of millions of individuals guess flawed or observe the present development.” Throughout retirement, it’s finest to place your funding in a passively managed portfolio so you’ve extra time spending along with your family members and on necessary stuff in lives. Simply don’t observe any day buying and selling program throughout retirement. (nytimes.com)