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! 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? When did this occur?