The three risks that we should be thinking very hard when are investing over decades in the stock market: 1. Risk Of Large losses Once we have locked in large negative losses it is very difficult to recover as most of us may have limited saving to keep adding bullets into our war chest to continue with the Game. So we must think very hard why Mr. Market is wrong and we are RIGHT before we keep averaging down on losses. 2. Risk Of Liquidity Needs We must think hard and think years ahead on how to meet our future liquidity needs over 5 - 7 years of market cycles; but can be unexpectedly longer. We must avoid having to sell our assets at market low to meet our large liquidity needs and locked in large negative losses as in Point 1. By selling our valuable assets at market low ......