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Having 100% of your money in the stock market can be very bad IF you are getting close to retirement and don't have enough money to ride out a market crash.  Two of my father's friends had this happen to them in the dot com crash of 2000.  Both of them were of retirement age at that time.  They both had too much money in tech stocks and tech funds.  One of them had to come out of retirement after only a couple of years and the other had to work several more years than he planned.