‘I feel shoehorned’: My father funded my $800,000 Roth IRA. Does that give him the right to say how I invest it?

The user's father believes that the $800,000 in their Roth IRA should be kept fully invested in stocks due to its long-term growth potential. However, the user questions whether it's appropriate to continue this strategy at 56 years old, especially given their lack of other assets and nearing retirement. The father argues that any market downturn will eventually be followed by a recovery, but the experts suggest reducing the percentage of stocks as one approaches retirement.

The user is concerned about the potential impact of a major downturn on their retirement savings, and they worry about the lack of diversification in their portfolio. Despite agreeing with their father to an extent, the user ultimately feels that it's their decision to make and that they should prioritize their peace of mind when it comes to their retirement funds.