Considering that the current major indexes are all down YTD(DOW -4.5%, S&P -5.25%, NASDAQ -9.5%) if your investment portfolio was only -3%, would you consider that a win? To put this in context, I’m 59 and retiring in 2 months. A few years ago, I made some moves with my portfolio to protect some of the principal, including 40% into a guaranteed 3.25% bond fund. The rest of the principal is still invested into various mutual funds as well as my remaining future contributions. I realize there are potential larger gains to be made, but they also carry the larger risk. Over the last 5 years I’ve got an average ROR around 7.5%. With all of the retirement calculators showing nice gains over time, even at 5%, I feel like I’ve made good choices for the most part. Thoughts?