If you’re retiring in the next five to 10 years but need to bulk up your nest egg, start thinking about these things now, the Wall Street Journal reports:

• Estimate how much you will need to pull out annually in retirement. Then multiply that number by 25. Pre-retirees face a conundrum: Get a payoff from a market upswing but risk “having their already skimpy nest eggs decimated.”
• Find a balance by adding stocks to the mix. Experts quoted in the Journal say the “sweet spot” for assets in stocks is about 40 percent as people approach or are in retirement.

Also, in another article, the Journal says now is the time to buy small-cap stocks and technology shares, and to sell gold and emerging markets.

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