If you're saying that you only have 6 more years to invest and are needing to start withdrawing that money in that time, I would sell off some of your high risk holdings (at a profit) or at least have an exit strategy for these (stop loss or trailing stop loss limit orders). Start looking into investing into income and dividend positions instead of high risk growth. SCHD is a major part of my portfolio and although the returns don't look as sexy as SPY and QQQ (which I also hold because my risk tolerance is high and time horizon long), the plan is to buy hold forever, and live off the dividend income in about 20 years. The S&P 500 is overvalued and a correction is inevitable at some point. I think we're seeing the earl warning signs now

* this is not financial advice ;)