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The Complete Idiot's Guide® To Protecting Your 401(k) and IRA by Bill Lane, Jennifer Lane

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Asset Allocation for a Long Retirement

Unless you have a very large nest egg, if you’re retiring young, you’ll probably have more money in stocks than an older retiree with a shorter retirement time frame might have. Time horizon, and therefore the expected return on different types of investments over time, is more important than minimizing risk when you calculate your asset allocation. If you’re retiring early, you have a longer time horizon, so you need more exposure to stocks in your accounts, and that means accepting a bit more risk to achieve longer-term growth.
Retiring at a younger age, though, doesn’t mean that you’re immune to the psychological effects of leaving your employment and the steady paycheck behind and moving into retirement. ...

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