 Your name's Lebowski, Lebowski. The market goes up and the market goes down. It always has and it always will. But if you are in or near retirement, do you have time to wait for the market to go through these cycles? Think about it. Having your money invested in the market is like walking next to the edge of a cliff. What if you lose your step? What if the edge gives way? What if a strong wind blows you over the side?