36 • RUBY, WILDING & SWANSBURG tahcecoirupnotrvtafolulieoss. relied on that floor of zero to maintain their Indexing can be a powerful tool to help mitigate the soaf v ge rr o’ swdiinl egmamn ad—ptrhoatte pc tui nl l gb eyt owuere nf ut nh de sc. o Inf t rsatdr ai ctteogri ye sn et ehda st irnect iorrepmo er anttea p pi nrdoeaxc ihn, gi t ’ sawr eo r tnhodti s ccuusrsrienngt wl y i t hpyaor tu r of i fn a ny oc iuarl pg rroowf etshs iaonnda l p. rI ’ovtee cf toi uo nn df oirt mt oa nb ey cao pnos uwme refrusl. Awnady itnod be xail na ng cies jl ui f set i no ns uerfaenact eu roef foe fr tahveas rei eptryoodfuoc tt hs .eFr ikx eeyd ri entdi reexma ennntupi tliaens nainndg benefits, as we'll discuss further. Um, Is That All? “Okay,” you’re thinking, “I know I need to balance growth and protection in my retirement strategy.” That’s a good start. In chapter one, we mentioned there ianrceotmhree,eanardetaasxoefs.long-game thinking for retirement: market, wheIrte wmoann’yt ssauvreprrsisaereyaoluretaodyleparrenpathreadt .market is the area BAuftteirta’slln, gortotwheinegnatinrde peqroutaetciotinn.g your funds is not the end gr eotai lr. eUms ei nngt itsh. oAsnedf ut hnadts’ satsh iennc eo xmt ea rt eoaswu phpe or er tyyoouu’ lrl nl ief eesdt ys ol emi ne new long-game thinking.
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