When to switch from growth to income? Assuming a growth rate went close to retirement

I don’t see many posts about the progression or transgression from stocks and growth holdings to passive income streams as you near retirement. Everyone uses a growth rate assumption, let’s just say 5%. However if the market went down that year and you’re all stocks you didn’t make 5%. Can we have a discussion on how difficult mentally it is to sell your stock holdings to put in income producing holdings, and what that looks like, what removing that money into? What is the strategy. Dividend stocks? Dividend funds? Fixed income, etc. What are people doing?

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