No. of Recommendations: 1
<< But isn't EVERY few years the first years of the rest of your (retirement) life? So what makes the 1st and 2nd years any more special than the 9th and 10th years? >>

I believe the point is that prior to retirement, most of us are putting money into out retirement accounts.

After retirement, we start taking money out. This, in effect, changes the entire dynamic of investment risk.

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