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A widely used strategy (as mentioned) is to sell down close to retirement phase. This is obviously where the time factor comes in. You buy more than you need during acquisition phase and sell down to decrease debt. Depending how you've leveraged them earlier on, and once they have increased...

start with your overall goal/ destination and then figure out how you are going to get there. This can be broken up into other goals and timelines etc. Just as you would jumping in a car to goto the supermarket. You know your destination now just figure out the most effective way to get...