Welcome to the Jill on Money Coronavirus Market Update. It is Wednesday, August 5th,

Hump Day. Yep, we're getting into the end of the week stuff. We'll get some data out from ADP about jobs in the private

sector. That should be interesting, but you know, those private sector numbers don't always match up with the big government jobs report we'll get that on Friday

Don't worry. We'll give you all the details of that

Okay if you've got a financial question. We'd love to hear from you send us an email ask Jill at

Jill on money.com ask Jill at Jill on money dot com. Ophelia writes I'm 63 years old and

will probably retire when I turned 66 and a half.

Back in late February, I was $26,000 away from reaching $1 million in my Vanguard portfolio. Then Corona hit. My portfolio went down by about

300,000 dollars. Half of my portfolio consists of very aggressive Vanguard Mutual

Funds, an IRA and a 401k.

The other half is a little over $500,000 in non-retirement mutual funds, money markets,

in individual stocks. Thankfully, it has all come back.

How's that? That's great.

I'm afraid though that the market's going to go down again.

I'm single, I've got no kids, I've got no major bills other than my mortgage. I'm the youngest of 12.

Oh my God my mother lived to 100 my oldest sister is 81. I lead a very simple life but because of my good genes I am afraid I may outlive my money.

My question, what should I do to secure my portfolio and still be able to gain from this volatile market.

Well, I mean, you'd have to go through

and take some sort of risk assessment.

And my guess is that you're going to have

to move some of the money, at least the money that's in the IRA and the 401k to less aggressive

stuff. What does that mean? It could mean some cash in that account, it could mean

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