 Because one of the things we know is that age-old question. Buy and hold can work if you're 30 years old or 40 years old. But when you're reaching retirement and you're closing in on retirement and you see the finish line of that marathon coming where you're about to unplug from work and move out of the working environment, but you still need that check coming in. You know you've got Social Security, but it might be in a precarious spot.