For decades, you've heard the advice: "Set it and forget it."

And while that strategy may work during your working years, what happens when you're approaching retirement—or already retired?

In this episode of The Capitalized Life & Retirement Show, Matthew Johnson explains why the investment approach that helped build your nest egg could become one of the biggest threats to your retirement income strategy.

The transition from the accumulation phase of life to the distribution phase changes everything. What worked when you were 35 years old may no longer be appropriate when you're relying on your portfolio to generate income and support your lifestyle.

In this episode, you'll learn:

• Why "set it and forget it" can work during your working years
• What changes when you enter retirement
• How risk tolerance shifts as your portfolio grows
• The hidden dangers of market drift
• Why many retirees unknowingly take on more risk than they realize
• How excessive fees can quietly erode long-term returns
• The risks of becoming overconcentrated in a single stock or investment
• Why retirement portfolios should focus on income, not just growth
• The importance of regular portfolio reviews and active management

Matthew shares real-world examples of investors who discovered hidden risks, excessive fees, and portfolio imbalances that could have dramatically impacted their retirement plans.

If you're nearing retirement, already retired, or wondering whether your investments are still aligned with your goals, this episode provides valuable insights into why a "set it and forget it" mindset may no longer serve you.

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