I am going to all CD's because of the expected nominal annual stock market return the next ten years is 3-4%

Finally, someone talking about getting out of the stockmarket, who is already retired. You're the first person on here that I've seen make any sense.

The only thing is, inflation is about 2%-4% every year, so your CDs are just mitigating inflation, which is fine, but is it worth having them locked away and you can't touch them? If you're making enough interest to live off of, then I assume you have a few million in CDs, otherwise there wouldn't be nearly enough to live off of. You other option is bond funds, and high dividend yielding, stable stocks. If a stock is paying $1 per month per share on $100 shares, that's a 12% return each year. The good thing is you can live off the dividends and not worry about the initial investment. If the price fluctuates, you'll still be getting the same dividend rate, barring some announcement to change it. I understand not taking that risk in retirement, so I'd stay go to bond funds for liquidity. At least you can pull out as much as you want whenever you want.

/r/investing Thread