All along you should always have between three to six months of monthly living expenses in an emergency cash fund. Life has many, many detours, many bumps in the road. If you don't' have a plan, you may not be able to recover. |
If the company is matching you, then you're getting 50 cents on the dollar even if it's a dog fund. |
Once you pass 35 or even 40, start bringing bonds into the portfolio because they reduce the volatility of the portfolio and also provide an income stream. |