You’ve been driving hard … maybe for decades … to save for retirement. With 10 years or fewer to go, you’re goal is in view. Now’s the time to let up on the accelerator and throttle back on risk. Here’s why. Early on, it’s easier for savers to take more risk. Sharp turns in the market … either for or against you … have time to all even out. As you close in on your goal, though, there are fewer years to make up for these natural highs and lows. The last thing you want is to go out in a down market. That’s why, as your goal approaches, it’s smart to switch to conservation mode. This means slowly shifting your riskier investments to less risky alternatives.