One of the most difficult things for people to do when they are nearing retirement is to determine how their money should be invested. The difficulty comes from the need to access your money while still growing it enough to never run out of money. This is a new challenge to many, and I believe that the ”Buckets” allocation technique can be a useful one in making sure that you are not taking too much risk in your retirement portfolio but that you still have all the money you need/want to live your retirement dreams.

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