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My retirement income comes from equities invested in dividend bearing stocks. I also just invested in a muni that is state and almost all fed tax free. I do have some short term bond funds also, and some ETFs. I no longer own any mutual funds, other than ETFs.

My investments are in what would be considered "safe" stocks...otherwise, they don't sky rise up in value, but when the market falls, neither do they lose as much value as high flyers.

As probably mentioned, CDs, Bonds, etc. are not worth the investment as interest rates are practically nil.

And be very careful of annuities! They are often not exactly what they pretend to be.

Birgit
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