FYI: Unless you can get a guaranteed annual return of 8% on your retirement savings, employing a Social Security “bridge” with 401(k) and other savings until age 70 is the right move for almost all Americans who can afford to forgo the income.
This bridge strategy, laid out in a white paper by the Center for Retirement Research at Boston College, works for most people because retirees’ monthly Social Security checks increase 7% to 8% for every year they delay claiming up to age 70, when Social Security benefits max out.
Regards,
Ted
https://www.marketwatch.com/articles/social-security-bridge-q-a-answers-to-your-questions-about-the-retirement-income-strategy-51573912801?mod=barrons-on-marketwatch

FYI: ( Just remember what the Linkster has always said. Dividends are the mother's milk of investing.)
For investors who are saving for retirement, dividend stocks are a crucial building block—with reinvested payouts juicing returns during the preretirement phase and providing crucial income to retirees during the drawdown phase.
Indeed, the once-sleepy world of dividend investing is hot. With their attractive income and yields, dividend stocks not only offer solid returns in an era of ultralow bond yields that doesn’t appear to be ending soon, but also hold the promise of price appreciation. The S&P 500 index’s yield was recently around 1.9%, about even with that of the 10-year U.S. Treasury note—itself a common source of income for retirement savers.
Regards,
Ted
https://www.barrons.com/articles/how-to-generate-income-in-retirement-with-dividend-stocks-51573837865?mod=past_editions

But think of the antelopes playfully leaping!
NH, lacking a sales tax or tax on wages, has a very high property tax rate and a lot of problems. Have looked into the state (which I *heart*) as retirement for self and relatives, and concluded it was a bad deal.

@ET91,
You are correct as listed in the below 5/25/19 filing:
https://www.sec.gov/Archives/edgar/data/880859/000119312519154380/d723247d485bpos.htm#toc726790_201
..."Limited Fund Offering
The Fund is closed to new investors. Investors should note that the Fund reserves the right to refuse any order that might disrupt the efficient management of the Fund.
Investors who were invested in the Fund on May 24, 2019, may continue to make additional purchases in their accounts.
Any Employer Sponsored Retirement and Benefit Plan or its affiliated plans may continue to make additional purchases of Fund shares and may add new accounts at the plan level that may purchase Fund shares if the Employer Sponsored Retirement and Benefit Plan or its affiliated plan had invested in the Fund as of May 24, 2019. New Employer Sponsored Retirement and Benefit Plans or its affiliated plans authorized prior to May 24, 2019 will have until December 31, 2019 to fund the account. Any brokerage firm wrap program may continue to make additional purchases of Fund shares and may add new accounts at the program level that may purchase Fund shares if the brokerage firm wrap program had invested in the Fund as of May 24, 2019. The Fund may also accept investments by 529 college savings plans managed by the Adviser during this limited offering.
The Fund may resume sale of shares to new investors on a future date if the Adviser determines it is appropriate."

@Derf - Correct Sir. Too many variables there to address which way is better. Certainly if you have a traditional IRA in which some assets temporarily get beaten up during retirement it may prove a wise tactical move to convert them while they’re under water.
All that said, it does throw that 4% withdrawal figure into question.

Agree with @MikeM (assuming he means “Better safe than sorry” here).
You don’t know until it’s you out of your life’s work with ongoing expenses and at the mercy of what we collectively term “the markets”. Guess wrong and you might find yourself out looking for a job on your 95th birthday.
I’’m atypical in that I have a DB pension. Wish everybody did. So with that I went 6-7 years into retirement without having to touch the IRA. If you can do that, it’s a great way to build up that nest egg. But 4% yearly? I’ve been able to take a bit more than that over the past 10-12 years and not really “ding” the balance. In fact it’s grown. But I’ve been lucky. Most years I pull 5-7% out. But a couple years, for new car purchases, it’s been a bit higher than 7%.
I doubt the linked OP article even addresses the traditional vs Roth issue. If you’re pulling $$ from a Roth IRA, it’s quite likely that $10 withdrawn from that Roth will buy you as much as $12-$15 pulled from a traditional IRA would (after taxes are accounted for). So, with a Roth, you need to pull out a significantly smaller percentage to maintain the same lifestyle.
The markets are a real wild card. I’d be loath to try and draw too many conclusions from the past 10 or even 20 years. That’s too short of time. History has a much longer memory. Final comment - It seems as if the bond market is hooked on “downers” today while the equity markets are doing steroids. One wonders how long that dichotomy can persist.

FYI: Elizabeth Shaw and Charlie Holloway were digging around in a Scottish cave. They discovered a special map that, they hoped, held the key to the origin of life on Earth. It was one of the earliest scenes in the science fiction thriller, Prometheus. And their discovery was a bit like the 4 percent rule.
OK, I might be stretching things a bit. But who’s to say William Bengen didn’t discover the 4 percent rule in a man-cave of his own? Bengen, a financial planner from MIT, published his discovery in a 1994 publication of the Journal of Financial Planning. He tested several portfolio models back to 1926. His research showed that if retirees had diversified portfolios comprising at least 50 percent in stocks, they could have withdrawn an inflation-adjusted 4 percent per year and not run out of money over a 30-year retirement.
Regards,
Ted
https://assetbuilder.com/knowledge-center/articles/how-retirees-can-withdraw-more-than-4-percent-per-year

Psychologically, what helps me (in these uncertain times) is having already set up my multi year "withdrawal" bucket for retirement. The rest of the portfolio I let ride in a balanced portfolio and don't worry about trying to time a down term. I'm still working full time and plan to work part time next year, so the W-bucket allows me not to change those plans and if I want to stop working altogether, even if the market crashes, I still have that multi-year safe bucket where I can let the market recover.
In any case, the safe bucket has allowed me to not worry about what the financial market has instore.

Retirement accounts are prevented from buying or exchanging into tax-free mutual funds through the electronic channels.

Wow, that seems very strange to me that a fund company would decide what is acceptable in your portfolio. I don't believe Schwab does that. I've owned a municipal bond ETF for the last couple years, PZA, in my IRA with pretty good results in total return and a nice 4.7% yield. I could be fooling myself but I think of it as lower risk than say corporate bonds.

@Puddnhead
For benefit of others: Fidelity Quarterly report, sectors report October 29.
Our house remains healthcare and tech. for the equity side, and investment grade bonds for the bond portion; with a cash position looking for a home in the next few weeks.
Lastly, as to your earlier question about about a muni fund in an IRA. I do not find a reason to place muni's inside an IRA. Below in bold is the Fidelity reply when one attempts a muni purchase in an IRA account:
The security you are attempting to trade is a tax-free mutual fund. Retirement accounts are prevented from buying or exchanging into tax-free mutual funds through the electronic channels. For more information, contact a Fidelity representative at 800-544-6666.
Good evening,
Catch

FYI: (This Is A Follow-Up Arrtcle.)
Fisher Investments founder Ken Fisher said there will be no lay-offs at his Washington state investment firm despite some $3 billion in withdrawals by pension funds and others over allegedly sexist remarks he made at an investor conference.
In a local newspaper column published late on Friday, Fisher wrote that most of the firm is growing based on business from high net worth individuals, retirement savings plans and foreign institutions.
He wrote that growing revenue in those areas more than makes up for high-profile withdrawals from state and local pension plans and other clients. The withdrawals totaled more than $3 billion as of Friday as systems in Texas, California and elsewhere withdrew money.
Regards,
Ted
https://www.reuters.com/article/us-funds-fisher/ken-fisher-says-no-lay-offs-despite-withdrawals-over-his-remarks-idUSKBN1X71OY?feedType=RSS&feedName=businessNews&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed:+reuters/businessNews+(Business+News)

Absolutely not. I'm 100% all in stocks (via mutual funds). This bull has another 15 years to run fueled by demographics and technology. Of course, there will be corrections along the way, some of them steep, which the doomsters will proclaim (as always) as the end of civilization, but I'm having none of that nonsense.
I believe right now is a great time to be buying risk assets - perhaps more so than in 2009. Stocks have essentially been building a mighty base over the last 18 months in preparation for an explosive move higher that will continue for years to come. As the stock market is the most efficient leading economic indicator, I simply cannot see a recession next year or for many years to come. A cursory glance at a basic S&P500, Dow, or Nasdaq chart supports this point of view. Are they collapsing or on a terminal downward spiral? No.
Note: I speak as a 53 year old with at least 10 years to retirement. My circumstances and outlook may be different to yours and I encourage some degree of diversification no matter your age.

The best "retirement" account available if used correctly, IMHO. Tax free money in and tax free out. Using correctly for retirement would mean to let it build, don't use it for medical expenses until retirement. I believe you can even pay your Medicare premiums with it.

My usual comment.
For most investors, buy and hold a simple target fund is one of the best. I believe you can do worse.
For above-average knowledge investors, there are several other good options.
I see stocks as a simpler portion of one's portfolio. The US LC is the dominated category and SPY/VTI is a pretty good risk-adjusted index. The biggest difference is the bond portion and the older you get the more you should pay attention. For most, it's several years prior to retirement and thru retirement.
Bond land has opportunities such as Multi sector and Non trad bond OEFs and all the way to leverage FI CEF. These funds have much higher dist and in most cases reasonable risk attributes (SD, Max draw, Sharpe, Sortino). Examples: PIMIX,SEMMX,IOFIX,JMSIX...PDI,PCI.
For about 20 years I have used best risk/reward funds.
I can name several for stocks/allocation...PRWCX,USMV,SPLV and maybe DSEEX, AUEIX...recently I looked at international stocks and came up with MFAIX/MFAPX.
Most/all of these articles, opinions and research papers are discussing simple bond funds which are planes without a pilot.

@hank and I, and maybe other MI residents receiving retirement benefits from our state, will now have about $600M of the pension fund administered in house. I have no idea if Fisher's company did well for us or not (see Lewis' comment above about performance) nor will I be able to assess how the new managers will do with that chunk of change.

History may make me look foolish but I don't think the market will be in serious trouble unless and until its clear that Trump will leave office which seems unlikely in the next 6 months. Since you are conservative I would go with 25% oakbx 60% the capital preservation fund and 15% the PIMCO fund or other fund you think looks best.
You will surely be following Buffett's advice
Rule 1 Don't lose money
Rule 2 Don't forget rule 1
remember that even when conservative your retirement account should provide a real return (i.e beat inflation)
I think my suggestion will meet that goal and I hope your desired future investments will do that.

I had my 401 set up as you suggest until recently.
The question I asked was:
''Which funds of my 401 choices would you leave money in the next 6 months.''

Got it. You're not asking about portfolio allocation, just fund selection. There's no apparent reason to have significantly different asset allocations five months from now (pre-retirement) and seven months from now (post-retirement).
But the specific funds you have available will change in six months, when you roll over your 401k. So you're asking about funds to use now for the next six months given your target allocation.
(If it helps you feel better, you might check to see whether your plan allows in-service distributions after age 59½, assuming you're that old. Then you could just move the money now; end of problem.)
Frankly it won't matter which 401k funds you pick. They are all respectable.
Whether you get your chosen large cap domestic equity exposure by using VFINX or a combo of AMRMX and VIGRX won't make a big difference. Whether you take one of these options and add PTTRX for your bond exposure, or use OAKBX for both stocks and bonds won't make a big difference either.
Building on @MikeM's comment - if you have a stable value fund that is paying as much as an intermediate term bond fund, that might actually be a better choice than PTTRX or OAKBX for bond exposure. Long term (the past year was an anomaly for bonds) that could give you similar returns with less volatility. You could roll over your other assets while leaving money in the stable value fund (if that's what you've got) when you leave.

@Art, you may not want to take much risk with your nest egg just before you retire, so I would be inclined to go conservative the next 6 months until you are able to rollover and set up the portfolio the way you want it for long term retirement. Yeah, you may miss a little upside but you may be more unhappy to lose what you thought you planned to start your retirement with. Just my 2 cents.
For less risk, I would just keep OAKBX and get rid of the other funds. Not sure what a preservation fund is, but if it is similar to a GIC I would split between that and the balanced fund OAKBX at whatever percentages you're comfortable with.
Good luck.

Hi @Art, (FWIW) I'd say you are conservatively invested at about 70% (cash & bonds) /30% (equity) more so than me being at about 60% (cash & bonds) /40% (equity). With this, you know your risk tolerance better than me. I'd would stay invested along the lines of the long term asset allocation you plan to use going forward in retirement. I'm also thinking the asset allocation is more important, in the near term, over fund selection since you will be reconfiguring your portfolio in six months or so. For me, though, I'd add some small/mid caps along with some emerging markets and follow a global mix of about 70% domestic and 30% foreign. I'm thinking there is presently better value to be had in foreign equity over domestic; but, I would not venture to far towards foreign.
However, some say, you really don't need foreign holdings since about 40% of the revenue found in the S&P 500 Index now comes form abroad. Perhaps so.
I sincerely wish you the very best in the years ahead.
Skeet

I would ask myself how would I feel if the date you moved the funds coincided with a 20% bear market and you had lost a chunk? There is an increasing awareness that people who loose large amounts in early retirement bear markets sometime don't have the confidence to stay in the market for the comeback. The next time it may not snap back like it did in 2009
Consequently I would lighten up on the developing markets and stocks