If you're on the cusp of retirement (e.g. 65) you probably have another couple of decades to live, so you want companies to keep running things 'properly' for the long(ish)-term.
It's not like you retire and you convert your portfolio into a pile of cash: you still need some kind of returns if you want to not run out of money:
* https://en.wikipedia.org/wiki/William_Bengen#The_Four_Percen...
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