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20 years is a good estimate of how many years (after retirement) I would take withdrawals. I agree 100% that "putting all money in cash the day you retire is a sure way to run out of money"! And I understand what you are saying about the 30 year investment window. But to be honest I never thought much about investing after retirement. I know the general wisdom is to steer a diversified portfolio toward a more conservative mix as one nears retirement. Can you give me an idea (%) what that investment mix would look like going into retirement, and after retirement? Thanks.

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