Retirement Planning with Index Funds

Index funds are a fantastic way to accumulate wealth; however, they don't tell the whole story.
To use index funds effectively for retirement, you must convert them to income. You can do this by selling shares.
This puts you at a disadvantage because you will now depend on the stock market to play ball with your timelines.
Index funds should complement your income investing portfolio. That way, you can have a strong growth element and a consistent paycheck of dividends. Good Luck!