Stocks can be scary, but a portfolio that's too conservative carries a far greater risk: that you won't have enough money for retirement.
Assuming typical historical stock and bond returns, a $200,000 portfolio with 25 percent in stocks and 75 percent in bonds will be worth $500,000 less after 25 years than one with these positions reversed.
Still, many investors remain skittish about equities: According to the Employee Benefit Research Institute, almost a quarter of 40-year-olds have 60 percent or more of their money in bonds and cash; 19 percent of twentysomethings own no stocks.
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How much to put away each year if you hope to retire at 65 with 80% of your pre-retirement income.
Your current age
Your current annual salary
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Your current savings
$ 
Being too conservative
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