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I have read in several posts about the need to have 3-5 years woirth of expenses in cash/near cash instruments upon retirement. I have built this into my models (mainly the last few years before retirement putting "new" money to cash rather than investments to avoid cap gains on selling 3-5 years of expenses from investments).

Question - any advice/insight on whether this cash should be more towards 3 years or 5 years worth of expenses? Or just go with what your comfort level is?


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