When you have “won” the retirement investing game, why do you keep playing it? 怎麽算贏？before you retire, you should have saved 20-25 times the amount of your “residual expenses.” Residual expenses are measured by the difference between what you will spend each year in retirement and what your guaranteed retirement income (Social Security, pension, and annuity benefits) will provide.
比如說你退休後需要每年8萬。倆口子的社保金每年4萬，那你的residual expenses is $40,000。40000 X 25 = 1百萬。如果你已經有了100萬的儲蓄，那麽就該退出股市戰場了。
退出股市的錢幹什麽呢？也不能壓在床墊下睡覺啊，那樣的話，通貨膨脹會很快的吃掉你的儲蓄。William Bernstein, the investing guru says: put money in short term bonds and CD’s. If there is an inflationary shock, interest rates on short duration financial instruments will rise so you can quickly move in to them. Owning TIPS will also help.
你已經贏了嗎？如果贏了，下得了決心撤嗎？：）
撤不是那麽容易，需要有戰勝貪婪的智慧和勇氣，也要能戰勝自己心中的恐懼。網友提議，提前5年每年從股市撤5%～10%到債卷，這樣可以避免一次性轉換的震驚，也可以減少風險。
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