How are your folks who have retired in the last year investing your money ?. To me, both the stock and bond markets appear over valued at the same time, return on CD's or other comparable investments are negligible. How is one to make a at least a 5 % return without taking too much risk ?
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Real estate, being a landlord, rental income
Thanks @tff for your contribution to the topic. (Not so much to @zac, but I'll take his advice into account when mowing the lawn). To the OP, there is one place you can earn a guaranteed 5-6% return on your pension, and it's in the form of the Chevron annuity. That the route I took after beginning my pension in Dec 2015.
You are right old man, it is hot. It's called summer. In case you forgot, it comes around this same time every year. Stay inside and drink plenty of liquids. The heat can be especially hard on the elderly.
That is a very good question, in fact that is the million dollar question on most retirement boards these days. The answer is, there is no way today that you can get a return of 5% or thereabouts with a vehicle such as a safe FDIC insured CD. For those reasons, people are using different types of mutual funds and ETF's that they feel more comfortable with, of course, at a much greater risk. Some people use those Tips funds "TIPS (Treasury-inflation protected securities)" for better growth with lower risk but they have only gotten 2.5-4.5% or so in the last decade. (like Vanguard VIPSX) and again, not insured like a CD.