Investment Portfolios - in Retirement

1. If you are within 10-12 years of retiring, you have to manage your investment portfolios differently than how you managed it in your first 40 years.

2. As a pre-retiree you are in "Stage 2" or in the Asset Preservation and Guaranteed Income stage of your investments and Investment Portfolio, you have to manage your money and investment portfolios very differently: You must focus on risk management and avoiding any large portfolio losses (>10%).

3. What's more important to you: (a) NOT losing money, or (b) making 3-5% more than the Market, but putting your portfolio at risk? Do you want "certain returns" or "maybe returns?"

4. Managing your Investment Portfolio and your priorities is very different from "Stage 1" when you were younger and still working - your focus then was to earn the highest returns.

5. But your focus now is keeping your money safe because you need the money for your daily living expenses in retirement.

6. You want as much of your investments as "fixed" and certain and not "variable" and at-risk with the Markets?