There are many misconceptions about the ‘right’ way to invest into retirement. Everyone has different ideas, needs and investing temperament. You may become very conservative when employment income ends, but you may not. Investing for growth (at least to some degree) is crucially important for most of us, as we will need growth to provide income and not erode purchasing power as we age. Many of us will also have 20-30 years (or more) dependent upon our own investments to meet our lifestyle needs. Seek out a Certified Financial Planner for an analysis and review of your accounts to see if your portfolio is optimal for your situation.