The question I receive most from soon-to-be retirees is “where should I invest my money to generate sufficient income in retirement?” The focus on generating a high level of income may have been appropriate in decades past when rates were at more reasonable levels. For many investors, simply laddering a portfolio of government or AAA municipal bonds may have been sufficient to live comfortably in retirement. However, with current rates at historic lows, folks may need to rethink the question of high income and instead focus on cash flow.
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