Asset allocation in retirement

Even in retirement your priorities may change with respect to how much investment risk you want to shoulder. Early in your retirement you still may need to grow your savings to keep up with inflation and to help ensure you don't run out of money. Later in retirement as your savings draw down, you may need to conserve what you have left for your final years and for your heirs if you wish to leave them with an inheritance. Again, adjusting your asset allocation may help you achieve your goals.