If you’re within five years of retiring, either before or after, you’re at your most vulnerable financially. Here are steps to weather the volatility. If you’re within five years of retiring, either before or after, you’re at your most vulnerable financially. Here are steps to weather the volatility. Content Type: Service, Personal Finances, Stocks and Bonds, Pensions and Retirement Plans, 401(k), 403(b) and 457 Plans, Retirement, United States Economy NYT > Business