就感觉十几二十年都不会动用的钱，完全扛得住股市变动呀--You have no risk consideration..

OK, your risk is not only the stock market can crash, it's also that you can die... 

The you don't have "十几二十年" to recoup your lost...

The pros suggest a certain bond position, not without a reason.

I think I said clear enough, although that's not everybody wants to realize...