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Retirement Q: I am retiring soon. Shouldnt I be investing more conservatively?

April 26, 2017conservatively Investing retirement retiring Soon

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Retirement Q: I am retiring soon. Shouldnt I be investing more conservatively?

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Perhaps, but keep in mind that your ultimate time horizon on your investments isnt the day before you retire, but the day after you die. If you retire at 65 and die at 85, your portfolio needs to last 20 years while keeping up with inflation. So a somewhat more conservative approach may be appropriate but shifting to a super conservative strategy, may cause you to run out of money before you run out of life, providing you with a less secure retirement.