Stocks have rallied lately, but that doesn't necessarily mean the bear market is over. Here's the problem with moving in and out of the market. More
![See how the Smith family is getting its retirement plan back on track.](https://webarchive.library.unt.edu/eot2008/20090509151118im_/http://i2.cdn.turner.com/money/2008/images/09/18/smith_family_new.home.jpg)
See how the Smith family is getting its retirement plan back on track. More
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- Investing 100% in stocks
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![Time is on your side](https://webarchive.library.unt.edu/eot2008/20090509151118im_/http://i2.cdn.turner.com/money/2008/09/05/retirement/retirement_perfectplan_30s.moneymag/knight_family.01.jpg)
20s and 30s
The Knights fear that they've been too aggressive. But at their age they still need to be mostly invested in stocks. More
![Your kids' future...and your own](https://webarchive.library.unt.edu/eot2008/20090509151118im_/http://i2.cdn.turner.com/money/2008/09/05/retirement/retirement_perfectplan_40s.moneymag/elliot_family.01.jpg)
40s
After suffering a layoff and a stock slump, the Elliotts are stretching to save for college and retirement. More
![A bear market, the wrong time](https://webarchive.library.unt.edu/eot2008/20090509151118im_/http://i2.cdn.turner.com/money/2008/09/05/retirement/retirement_perfectplan_50s.moneymag/smith_family.01.jpg)
50s
Hoping to retire in seven years, the Smiths wonder if they'll have time to recover from the market downturn. More
![Sticking with stocks](https://webarchive.library.unt.edu/eot2008/20090509151118im_/http://i2.cdn.turner.com/money/2008/09/05/retirement/retirement_perfectplan_60s.moneymag/dave_cowley.01.jpg)
60s+
His pension pays most of his bills. But with plans to leave an estate, Dave Cowley shouldn't give up on equities. More
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