So I was considering retirement. Not really, but I'm a lot closer than most of you. 3-7 years depending on many factors. Dan gave the corporate line. Keep investing consistently and things will work out for you. News flash. Many can't choose when to cash out .... sickness, disabillity, fired. You may not have the option of when to choose moving to safer investments. We have savings, liquid investments, 401K, stock market, mutual funds, bonds. etc. Even so, I'm not ready to retire today ... at least not willingly. Invest wisely my friends.