I'm reaching retirement age and beginning to wonder what changes if any I should make to my investment portfolio. I've heard some say to move into safe bonds and hysa but I don't want to lose out on growth potentials. I'm currently heavily invested in tech stocks and funds. What about dividends and capital gains? Is there a point where I should stop reinvesting dividends and capital gains? Is it better to just take the cash and use it for expenses while in retirement? Or let it continue growing and only cash out as needed?