If you’re close to, or already in, retirement, it’s time to start shifting to the right, where cautious driving prevails. Fill the Buckets of Your Retirement InvestmentsIncidentally, even a mild stock-market loss or an extended period of below-average returns can inflict serious damage if they come early in your retirement. And since you’ll have a smaller balance left in your portfolio, you’ll gain less when stock prices eventually recover. Think of your retirement savings as three buckets. Be Flexible About Investment Withdrawals in RetirementYou have another lever to pull if a market slide threatens your portfolio early in retirement.

Source: Forbes October 17, 2017 17:15 UTC