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<<<Seen articles (net and magazine) that says when you start out invest in growth and stock funds (your young, take the risk)and as you get older shift toward bond funds or just bonds and less on stock funds.(as you get older, secure your money) but one thing that is never clear to me is how.>>>

Don't fall into the trap of thinking that bonds/bond funds are safe/safer. You can loose your money just as easily in bonds as in stocks. Just try selling a bond in a rising interest rate climate!

To keep things simple as you near retirement, keep about 5 years living expenses in CDs, the rest in stocks. At the end of each year, sell enough stocks for another year of living. You still need stocks to fight inflation, the more so if you retire early or have a history of family longevity.

JLC
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