I just opened an account with Tangerine (canadian bank, formerly ING Direct). I am 32, is it wise for me to put my money for retirement with an index mutual fund that has 100% equities?? Mind you, I won't be touching that money for 20-25 years minimum, unless the stock markets performs too well. Or should I get a little security and invest in an index mutual fund that has 80% equities/20% bonds?