[1Old Pro]

Seniors used to rely on Treasuries yielding maybe 5% as a safe way to help fund their retirement. Looks like those days are gone. So it’s either dabble in the stock market or get a part-time job at Walmart.

Consult your advisor, there are many other ways to attain investment income in a conservative fashion.

[Leaning Right]

> there are many other ways to attain investment income in a conservative fashion <

Right you are. Annuities, for example. But the rates on such vehicles are influenced by bond rates.

[FtrPilot]

Consult your advisor...

Agree. If you don't have an advisor, get one. A good advisor will have a track record of beating the S&P 500 by 2% or more.

However, you cannot expect an ROI of S&P 500 +2% with a low risk portfolio.

Your advisor should provide a retirement plan that provides a "reasonable" rate of return, with low risk and the ability to ride out a bear market.

The "reasonable" rate of return should then be used for retirement planning.

[MichaelCorleone]

“Investment income” is one thing, Old Pro, but that differs markedly from the risk-free returns that Treasuries afford the saver, and those that cannot afford even short term volatility on the principle.

Consult your financial advisor for a more detailed explanation.