JimOhio gives a good summary.
I just take it on face value that principal risk is the biggest concern.
I"m not there but someday I will be. People of SSI/Medicare age have a psychology about them and I can't blame them.
If you knew that you would never earn another dime again in your life, how much relevance would you assign principal risk? (food for thought) I think that's why Medicare/SSI people walk around constantly saying:
"I'm on a fixed income."
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