The equity markets haven’t been kind to individual investors over the last decade. I always beware those sales pitches from investment firms that show equity growth over a specific time, choosing to show gains starting from a market bottom (2009).
Whether you begin your retirement at or before 65 or wait until you’re 68, you only have a few years before you are obligated to take money out of your accumulated retirement accounts. Failing to do so results in a hefty of 50% of the amount not withdrawn. The RMA applies to all tax-deferred retirement accounts (IRA, 401k, 403b, 457b, SEP, etc..)