One office auntie in her late 50s told Uncle8888 that she and her husband have abstained from the stock market after AFC. They have lost too much and chopped fingers liao! Whatever remaining in their portfolio let them rot and don't bother them anymore. Now, what will happen when Uncle8888 doesn't invest due to his conservative mind and thinking that the stock market is too volatile  and losing retirement fund is too risky and too scary. BTW, Uncle8888 sent her the "Sustainable Retirement Income For Life" MS Excel worksheet for her to think about it and determine whether her saving is sustainable for life? (1) Don't Invest ABSOLUTELY this will happen to him .. He will be on his way down to his ZERO as future decades of inflation will slowly slowly deplete his wealth. 100% to ZERO!!! It is just matter of Time. Real Person. Real Story! ......