Withdrawal timing, tax efficiency, and portfolio balance start to matter more than chasing returns. A poorly timed drawdown or unnecessary tax hit can quietly drain six figures over time.At 70, the timeline still stretches decades . That shifts the focus away from accumulation and toward durability.By 70, most of that pattern is already set. The portfolio reflects decades of decisions, not a late push.Households in the top 10% tend to stay invested over long stretches, including during downturns. They consi ...