 At 56, I'll do the same. At 57, I'll do the same. And by the time I get to age 65, I would now have a 10-year bond or CD ladder with $100,000 maturing each year that would allow me to ride out any market volatility or ups and downs that might occur right around the time I want to retire. Should people still be in the stock market though once they get past 65 or 70? Some people, I think, are afraid of that risk.