Your concerns, while probably baffling to many readers, are not unusual, nor are they unnatural. They are what got you where you are today, and now you are moving from the accumulation phase of your life to the distribution phase. It’s a big change, both psychologically and financially. It’s often easier, if you’ve got the resources, to save, manage your money and control your risk allocation. Distribution — where you start to draw money from those funds, like an expensive wine in your cellar — can be nerve ...