If I am in retirement and want my retirement funds to last 20 years, I will be using 25% of them in 0-5 years, 25% of them in 6-10 years and 50% of them in 11+ years. Should I allocate 25% “In Retirement”, 25% "Within 10 Years of Retirement” and 50% “More Than 10 Years From Retirement?" Or should it all be allocated as “In Retirement?”