If you’re planning to retire in 2029, it’s time to act—now. Start by rebalancing your portfolio, dialing back stock exposure as you near retirement to protect against market dips. Build a cash cushion of 1 to 3 years’ worth of expenses so you can weather downturns without selling investments at a loss. Then, shift toward income-generating assets like dividend stocks, dividend ETFs, or REITs for steady cash flow. These proactive steps aren’t just preparation—they’re your foundation for financial peace when you finally step into retirement.
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