Stable Income & Retirement Income

Retirement income certification

Actually take less risk holding some stocks and equities - 70/30 -75/25
Alternative and income generating - Utilities - Buy write option strategy - higher dividend stocks - preferred - convertible bonds - still hold some mid cap, little small cap, international

Interest rate risk - intermediate bonds - Government bonds, corporate, high yield, mortgage backed, international and currency, floating rate don't lose principal when rates rise - hold multiple to give negative correlation

REITS (Real estate investment trust
preservation of capital and principal