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Investing in retirement

You've worked so hard to save, and now you're finally retired. With the right strategy, you can help make sure your retirement savings last.

1. Calculate the approximate amount you'll need each year

Start by calculating your expenses and your expected income from other sources. The difference between these amounts is what you'll need to cover with your retirement savings.

2. Determine whether you can safely withdraw this amount

You'll want to make sure your savings can safely sustain your spending over the next few decades. See what your chances are of making your portfolio last, given your personal asset mix and time frame.

3. Decide which accounts to withdraw from first

By the time you retire, you'll likely have multiple accounts to withdraw from—along with sources of income like RMDs and fund distributions. Here's a tax-efficient way to use your money.

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Asset mix

The way your account is divided among different asset classes, including stock, bond, and short-term or "cash" investments.

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A complete view of all the money in your account—i.e., not specific investments.

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Usually refers to investment risk, which is a measure of how likely it is that you could lose money in an investment. However, there are other types of risk when it comes to investing.