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 60 yrs old and plan to retire at age 67. If the market dips can I ride it out? During the last 50 years, what's the longest period of time between a market dip (Dow or S&P 500) and it returning back to the valuation before the dip? When did this occur?