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In page 401(k):
"Investments in stocks can lose value due to market fluctuations. Diversification can protect against poor performance in any one stock or industry, but not against a widespread decline like the Great Depression or Great Recession. Further diversification into bonds can protect against stock market declines, but generally have smaller earning potential and still carry the risk of bondholder default. Earners are generally advised to shift from higher-risk, higher-return assets to lower-risk assets as they near retirement age.[citation needed]
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