When you're in the middle of a project, it's sometimes hard to imagine the final result. But, that stash of cash in your 401(k) will someday be your income, and you'll be taking money out of it rather than putting money in it. The strategies for investing while you're taking withdrawals are significantly different from the strategies for investing while you're still saving. Funds that guard against big losses in a bear market, for instance, might be better than those that post big gains in...