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"So, what I'm wondering is whether I should keep doing what I'm doing, ie- gradually segue from individual stocks to index funds and dividend paying funds so I can devote less time to individual stock picking- or preserve a percentage of my "wealth" by investing in bonds or bond funds"


Bonds and bond funds to some degree provide stability for a portfolio - so
that you have an insulation against some market drops. But I am not an
expert in this topic - and suggest a board with more traffic:

I an currently adjusting from fully employed a few weeks back to
unemployed now - and considering whether retirement now rather in a
few years might be preferred. I have started to change from accumulating
to taking income - mainly dividends (around 85% equity).

I am not a MF subscriber and never did more than read and lurk. I'm
an engineer - approaching full retirement age - but not quite ready to
walk away from the field yet.

Anyway, you will likely get more responses on the linked retirement investing board -
and if you don't try one of the boards on the discussions side:

Generally, I think if you can get the cash flow you want - you are in a good place
and changes should be gradual - incremental.
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