How many marginal retirees (NOT those spending 50% of their investment income)  seriously re-think their investing strategy to factor in de-compounding of their investment portfolio towards their last phase of their investing journey?
Time for Uncle8888 to re-think!
What is the acceptable yearly Return on Capital during de-compounding phase and how much improvement is required to sustain this ROC?
There is no free lunch in the stock market!
Average yearly ROC is 10.4%
 
2018 ROC as on 7 Jul 2018 is 6.4%
To accept or to improve?