The right math for your nest egg

Question: Why is it that most retirement calculators don't factor in the fact an investor would normally transition into bond and money market funds as retirement approaches? Moreover, few articles address how a flat or declining market in the year before retirement could affect the size of one's nest egg. What's an investor to do? - Peter Binoto, Pittsburgh, Penn.

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[Source: Financial news of the day - CNNMoney.com]