Do you need to tap into your retirement accounts to finance your retirement? If you don’t then why change your investment style? If your portfolio has been working fine for you the last 20 years, it should be expected to be working, more or less, the same way in the next 20 years. Nevertheless, I would ask the same question as I did with the rentals – what do you plan to do in your retirement? Do you still want to spend the same amount of time reading up on stocks and mutual funds, etc..?
In retirement I don’t want to have to worry about growing my wealth as much or anymore. Of the many strategies I read on how to invest safely during your retirement, I like the bucket of money (or a variation of it) the best. Just put it on auto-pilot by splitting your $ into 3 buckets and rebalance once a year and not worry about it.
FInally, congratulations on being financially independent.[/quote]
You know, you got a good point. I think I’m playing it too safe for my retirement accounts and since I can’t touch it for at least 12 years, I should go back in… Thanks.
