It is not enough to just plan and save for your goals. You may do everything right on that score but still find yourself short if the money is not readily available to use when the goals have to be funded. Here are some moves to make at the end stage of the game—when you are near your goals—so that there is no slip between the cup and the lip.
Not having a strategy to withdraw money from your investments to fund the goal is the biggest mistake you can make towards the end of your investment horizon.