It’s not fair, but it is reality: After a lifetime of careful saving and planning, the state of your retirement portfolio is likely to hinge on what happens in the last five years of your working life.
http://www.theglobeandmail.com/globe-investor/investment-ideas/retirement-worries-add-a-little-elbow-grease-in-your-last-few-working-years/article21065193/