Bucket Strategy
Also called: bucketing, time segmentation, cash bucket
The bucket strategy splits retirement savings by time horizon: cash for the next couple of years, bonds for the medium term, equities for the long term. Mathematically it's close to a plain asset allocation with rebalancing. Its real contribution is behavioural — knowing two years of spending sits in cash makes it psychologically possible to leave the equity bucket alone through a crash, which is exactly when selling does permanent damage.