Specifically, you simply move along the efficient frontier and into other risky assets with lower risk and more diversification, e.g. bonds. (earlyretirementnow.com)
Also, financial insiders are still reporting there is a lot of cash on the sidelines after people stopped investing in equities and other risky assets during the bear market. (monevator.com)
Retirement researchers have begun to suggest in recent years that the optimal approach might be to reduce your exposure to shares and other risky assets as you approach end - of - work D - Day — but then to actually start to add more shares to the mix again as you proceed through retirement. (monevator.com)