Originally Posted by Stourque
As for your original statement, if there is anyone who's retirement is going to be adversely affected by the price of AAPL, they need to get some professional advice ASAP.
While institutional ownership of Apple is at around a 5 year low at about 64%, this means that more individual investors now have comon shares. A large drop in the share price would absolutely hurt them. Small time individual investors are by far the most likely to sell in a panic if the stock takes a nose dive. Thus hurting their possible retirement, unless they were able to hold on long enough for the stock to recover or moved their money to other investments that could make up for this loss.
And then you have to understand that some of the largest holders of apple stock are State Street Bank, Fidelity Investors and Vanguard. Three of the largest mutual fund companies, where many billions (if not trillions) of dollars are being professionally managed for retirement funds. They will continue to make money from fees regardless, but if the stock price tanks as Tallest Skill suggests might be a good thing, then once again, it is the individual who has his money in these professionally run retirement funds who would be the most hurt.
If you have a 401 k through work or have opened a Roth IRA yourself and invested in a mutual fund it is very easy to find out the top holdings of your accounts. Any large cap fund will almost certainly have Apple stock in it. Many of them will have apple as a top 5 holding, if not top 2.
It is very simple. Suggesting that Apple stock should tank is not a good thing for anyone who holds it, especially individuals.