Personal Finance and Investing

http://www.401khelpcenter.com/allocation.html#.UjBwq3_TO_I

Within five years of retirement, I would suggest moving your asset allocation to a maximum of 60%/40% stock/bonds ratio. I'm a little farther away from retirement than you, but am currently at 100% stock allocation for growth. My strategy, beginning at five years from retirement, is to each year move all of my gains into fixed income, along with a set portion of the rest of my assets, until I get to that 60/40 ratio. After retirement, my plan is to draw down the stock portion until it's down to 33%, then maintain that 33/67 ratio for the remainder.