Hey skippy that was Obama's team that came up with that. You do realize that even over the long term the stock market always rises. I can remember a dow below 1000 in the early 80's. Even now the Dow is higher then it was in 2000 and that included two massive drops. Once one gets close to the retirement time they shift their earnings into a safer investment such(for now at least) government bonds. The policy will not be for any currently serving personnel and will only apply to anyone coming in. If the market for troops doesn't bear fruit they will be forced to change policies.