It happens to everybody. After spending your working years accumulating money, you face a rude awakening in retirement when that growth is replaced by withdrawal. This drawdown phase might be described as the relentless cracking of the retirement nest egg.

Analyzing how asset allocation affects portfolio durability during retirement is a big issue, particularly considering the vast numbers of retirees who will hit the shores of retirement over the next 18 years. Here's the math: The leading edge of the baby boom was born in 1946. People born that year are 65 years old in 2011.

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