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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 Most people here define retirement as when one's assets, withdrawn at about a 4%/yr rate, will support our desired lifestyle for 30+ years.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 and get some professional advice.
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