For retirees or near retirees (people aged over 55 but not retired yet), one of the major challenges is finding a sustainable income stream. Only 15 years ago, you could earn 5%-6% safe and guaranteed income from instruments like bank CDs with literally no risk. But that era is over and probably not going to come back any time soon. With the Fed cutting short-term interest rates once again, bank-deposit rates will only head south once again. In fact, at current interest rates, bank deposits barely protect you from inflation. So, after taking inflation into