Congratulations! Getting to the stage where you have enough assets to see you through a retirement for at least 30 years is an achievement in itself. But that is not the end of the story. You don’t get to ride off into the sunset until you have gone on to the next stage. And that next stage is figuring how you should be structuring the asset portfolio you have built up over the years of working, earning, saving and investing, into something for retirement.

But wait! You mean that the process of structuring the asset portfolio for retirement, the asset allocation and all that, is going to be different? After all, most people who have made it thus far to their retirements, early or otherwise, will have a pretty good idea of investments and all that. How hard can it be? Well, for a start, in retirement, there is