In our life-cycle of investing; we should be investing largely based on ourneeds and wants in respect of tight and discipline money management and estimated future cash flow to avoid liquidating any part of our investment portfolio to fund shortfall to meet future years of household expenses. Low return is not ZERO return and it is far better than negative return when we areNOT in the position to inject monthly capital to our investment portfolio anymore. We often hear bloggers in the investment blogosphere warning us about impact of future inflation eroding our cash. So what? Uncle8888 has been living through years of inflation and same as generations before him. The generations before him have survived and so we will survive inflation too. But, we will NOT survive years of negative investment return and followed by years of partial cash draw-down to fund household expenses under negative investment return! ......