One widely touted idea is to phase in retirement over a number of years.

一个备受吹捧的观点是在将来若干年逐步引入退休机制。

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The next step, he says, is the hope for a new phase of research studying the original parents, now in their 60s as they deal with retirement.

他说，下一步，希望开展一个新的研究题目：20年前开始研究时的父母们，满了60岁，他们将如何处理自己的退休生活？

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PETER D 'arruda: "But then we get to the transition phase when we're within five years or so of retirement."

PETER DARRUDA：“但是当我们离退休在五年以内时，我们就进入到过渡阶段。”

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You had the baby boomers having moved into the retirement phase, and to some extent the preservation and income phase of their investing.

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These days, it's increasingly common to phase into retirement slowly, by working part time in some fashion rather than going straight to the golf course full time.

WSJ: It's Never Too Soon to Start Planning Your Retirement

One secular market will likely occur sometime during the accumulation phase and another will occur sometime in retirement.

FORBES: Should You Secular Market Time?