What happens when the money is yours to take?

I was interested to see an animated conversation on a blog about retirement. Talk turned to the subject of the right way to invest for retirement. Should it be systematic investment with the average purchase or market timing (buy low / sell high)

But here's the other side of the coin on the average purchase and market timing on retirement savings :? What will you do when it's time to start making money?

most of us are used to manage our household "wages" we get once or twice per month from our employer. What happens when these controls stop and now you must choose between your retirement investments and decide which ones to keep and which ones to liquidate or draw from? The thought that goes through his head probably is, "I better not make a mistake or I could run on income."

I think the management of investments for retirement income in the phase of "distribution" is much more frightening than to determine how to invest during the "accumulation." At least in the accumulation phase, you have a little time on your side. In distribution, there is no time to make investment mistakes or market downturn.

We should all seek guarantees, at least for recurrent costs such as housing, food, taxes, etc., which must be available no matter what. If you do not feel equipped you to do it on your own, I suggest looking for objective advice of an agent or adviser.

In addition, if you are still rebuilding your retirement nest egg after the Great Recession, it is logical to consider life insurance to ensure that your spouse or partner would be OK if some thing happened to you before reaching this goal.