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Hi, wondering if I can get some clarifications on allocation as you get older (for both 401k funds and regular funds). 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.

Does one stop contributing to your existing funds and start funding a bond fund or sell existing funds to place in bond fund.

Or is it both?

information and references are appreciated.

thanks and regards
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