RESIST THE URGE TO CASH OUT: WHEN YOUR GOAL IS 20 YEARS AWAY, STAND YOUR GROUND

摘要

AFTER SUFFERING THROUGH the great bear market, Matt can't help but wonder if he's doing all he can to maximize his retirement savings. The father of 5-year-old twin daughters, Hadley and Sutton, Matt has several retirement accounts, including a 401(k), a rollover IRA and a Roth IRA. He and his wife, Jenny, have saved close to $200,000. But Matt, director of financial planning and analysis at Cox Enterprises, a giant national cable company, worries that he won't have enough to exit the workforce when he wants-at age 60. "The direction of the market is troubling," he says. "For months, I watched my nest egg shrink every day." In March and early April, he and other investors finally caught a few breaks.