Kiplinger

Don't Let Bad Timing Be Your Biggest Retirement Mistake

Despite cautionary tales you might hear about how Americans are failing at saving for retirement, plenty of people get it right.

They work hard and start saving early. They make the most of 401(k) and other investment accounts, and they accumulate as much as they can in a diversified portfolio.

Unfortunately, for some, that won't be enough, because if they don't take the proper steps to protect their money, they still could run short in retirement.

It's a Mistake to Count on Stocks for Income

That's a hard thing to have to tell prospective clients when they proudly produce their statements and talk about how relieved they are to have reached their

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