What factors should you when deciding how to invest in your retirement fund? acan yau should considr when deciding how to et r deed cbin ermen nds (ect ) A. You should also consider your individual tolerance for risk B. The length of time prior to when you intend to retire i important since the longer your time horizon the more risk you can take As you approach your retirement date you can begin switching your investments to bonds or income s stocks that will gve you greater preservation of capitl C. when you intend to retire is important since the shorter your time horizon the more risk you can take. rch