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The best way to produce a pension supplement with NO chance of losing your capital is to buy a 30-year TIP (inflation-protected treasury). It will pay you 3.5% of the value, and adjust that payment every year upwards for inflation, and your capital will be upward-adjusted for inflation as well.

Any investment in stock gives a significant chance of losing a significant part of your capital. Of course, it also gives what is usually a better return over a long period of time (but not always). The AVERAGE annualized return from stocks (such as the Foolish Four) can reasonably be expected to be around 7% more than inflation (with great fluctuations).

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