How to Build the Right Mix of Investments in Retirement

We show you how to allocate your investments among stocks, bonds and cash as you approach, enter and live in retirement.

Happy Couple And Mature Consultant Discussing Together
(Image credit: AndreyPopov)

Before Tim O’Brien retired in 2014 after a 30-year military career, he took a hard look at his investment portfolio and decided it was too aggressive. So O’Brien started trimming his allotment to stocks. When he was done, he had just 60% of his retirement savings in stocks, compared with 80% before the shift. Though he figured he’d earn less on his investments over the long term, it was a small price to pay for a more stable portfolio when he expected to be tapping his savings.

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Kathy Kristof
Contributing Editor, Kiplinger's Personal Finance
Kristof, editor of, is an award-winning financial journalist, who writes regularly for Kiplinger's Personal Finance and CBS MoneyWatch. She's the author of Investing 101, Taming the Tuition Tiger and Kathy Kristof's Complete Book of Dollars and Sense. But perhaps her biggest claim to fame is that she was once a Jeopardy question: Kathy Kristof replaced what famous personal finance columnist, who died in 1991? Answer: Sylvia Porter.