Fidelity - These days, protecting your savings as you approach retirement -- with the goal of making it last as long as you do -- is like navigating between a rock and a hard place. Now in its seventh year, the bull market is one of the longest on record. That means by most standards that a bear market is overdue. Interest rates are almost certain to go up in the coming years, and bond prices fall when interest rates rise. "I see risk at both ends of the spectrum," says David Blanchett, head of retirement research at the investment consulting branch of Morningstar.

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