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November 9, 2026 at 9:37 am #3397
Retirement income is as much about sequence as it is about yield. Many retirees keep a few years of spending in cash and short-term bonds so they never have to sell stocks in a down market.
How many years of spending do you keep in cash and bonds before you touch your stocks — and has that number changed as you’ve gotten closer to, or further into, retirement?
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Not financial advice.
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