Try the bucket approach

Constructing a portfolio this way may help you ride through a bear market in retirement

Stocks sometimes retreat. That reality can be overlooked in a long bull market. Bear markets do appear, and a deep downturn could force you to sell securities in retirement, so you can pay for necessary expenses.
    
Right now, you might have too much money in stocks. Years of steady gains may have unbalanced your portfolio and heightened your risk exposure. If you are 60 or older, that constitutes a warning sign, especially given this bull market’s age. What would a downturn do to your retirement fund and your retirement income?
 
If you are wondering how to respond to this risk, consider the bucket approach to retirement income planning.
    
The bucket approach may help you through different market cycles in retirement. ​This investing strategy

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