My retirement monies are invested at tiaacref.org - pick at least 2 funds, at most 4 funds at tiaacref where my monies should be invested and tell me why. Your reason should be convincing! I'm 57 yrs old and plan to retire at age 66. If the market dips can I ride it out? What's the longest time between a market dip (Dow or S&P 500) and it returning back to the before dip value.