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Actually, JLC, I disagree.

The difference between investing BEFORE and AFTER the day of retirement is that BEFORE, you are regularly making more investments, and AFTER, you are regularly withdrawing from the portfolio.

BEFORE retirement, it makes sense to be buying "risky" assets that are sometimes high and sometimes low, since due to the magic of dollar-cost-averaging you'll get more for your money.

AFTER retirement, it makes sense to withdraw from "safe" assets that are stable value so you're not forced to withdraw during a temporary downturn. The "bond/CD ladder" method I've seen discussed here is one way to do that.
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