Source
Money Crashers
In Your 50s, Max Your Catch-Up Contributions and Build a Bond Cushion
From the year you turn 50, catch-up rules let you add $8,000 a year to a 401(k) and $1,100 to an IRA beyond the regular limits. Raise your contributions to use them. Shift gradually toward bonds until a few years of retirement withdrawals sit in bonds and cash, so a crash can’t force you to sell stocks low.
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