[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.

[alternatives?]

“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.”

The annuity companies have to invest the money they receive from you in something. If they go bust, your annuity payments stop.