I am very close to retirement. And have just started to invest.---These two terms don't exactly go hand in hand. Most people here define retirement as when one's assets, withdrawn at about a 4%/yr rate, will support our desired lifestyle for 30+ years. If you think you're going to stop working in the near future, and haven't accumulated significant assets, I significantly doubt you'll be able to do that unless you have incredibly modest needs, a paid off house, and no family requirements.Retirement nest eggs are a marathon that take decades to build, conventionally. Recommend you find a fee-based financial planner using www.napfa.org and get some professional advice.