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The usual Foolish retirement plan is to keep your liquid assets for the 3-5 year famine in laddered CDs or bonds where you control the maturity, not the mutual fund company.
You set things up so they mature 1 yr, 1.5 yr, 2 yr, 2.5 yr, etc. out to 5 years (you can vary the intervals, amounts, and duration as necessary). You live off the interest from all the CD/bond and from the principal of the one that matures. If your stocks are doing well, you sell some and then buy a new bond or CD with appropriate maturities. If your stocks are doing poorly, wait it out and hope for a recovery within 5 years.
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