when I'm closer to retirement or retired I wouldn't want excessive volatility as I wouldn't have the time to ride it out, so yes I'd hold more cash as I approach that age
I had some time on public transport so here are the 68 or so words I found. I marked them in the attached picture and listed the words below. Vertical from left to right Dream, ream, win, up, money, hole, happy, tree, sex, boy, sod, ration, rat, tar, lose, lost, catch, cat, child, rabbi Horizontal from top to bottom Luck, panic, pan, an, in, nap, food, foody, do, death, eat, at, health, heal, love, option, no, con, red, dish, is, fortune, for, tune, nut, or, me, job, fat, courage, rage, age, hi, depression, press, one, family, ant, open, **, pen, stock, house, use, wealth, sad, confidence, den
I recommend always doing your own research. You may read tips on what and where to invest but you should always do your own research as the interpretation of data is subjective, plus always consider your own circumstances.
I'd pick Tohru from the anime series Kobayashi-san Chi no Maid Dragon as she's (usually) a friendly, cheerful and hard working dragon who can take a human form.