Crypto is for kids, but what is there for seniors? As baby boomers continue to retire and live out their lives of leisure, retirement priorities shift from aggressive growth to capital preservation. No fuss, no muss.
Successful retirement investing isn’t necessarily about catching lightning in a bottle; it’s about protecting all your nest eggs and all your baskets. If you can generate predictable income and stay ahead of inflation, you’re pretty much ahead of the game. These three investments may not be exciting, but they’re helping many boomers earn consistent returns while maintaining financial peace of mind.
Thanks to ongoing market volatility, elevated interest rates and longer life expectancies, risk tolerance has dropped faster than the Dow. That’s why safe investments for retirees are more important than ever. Boomers love a safe savings product as they are ideal for liquid emergency funds and are FDIC-insured.
With uncertain economic conditions and rising inflation in 2026, high-yield savings and money market accounts have become one of the safest ways for retirees to earn passive income on their money. Many accounts now offer yields that comfortably outpace inflation, many with APYs of 4% or higher. This way, retirees can lock up capital without throwing away the key to their portfolios.
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The only thing risky about your retirement should be your taste in Hawaiian shirts. Enter treasury bonds, as they are suited to those looking for steady returns to help offset the volatility of equity prices. Bonds are a great addition to your diversified portfolio and offer a fixed rate of interest that’s paid semiannually until the bond’s maturity.
In fact, if you compare boomers who are closer to retirement to a younger generation like millennials, the former tend to have a larger percentage of their portfolio in bonds. Keep in mind that corporate bonds tend to pay a higher yield than Treasury bonds because they have default risk, but Treasuries are guaranteed if they’re held to maturity, and in 2026, many boomers are favoring a mix of Treasury notes and bonds to generate income while guarding against inflation.
Sure, these investments won’t make you a millionaire overnight, but they offer predictable interest payments and an excellent inflation hedge as rates range from high 3% to high 4%.
Annuities often get overlooked, and that’s probably because they are both simple and complicated. However, these can benefit your retirement plan, because if you add up all of your regular expenses you’ll have during retirement, then subtract other types of retirement income such as pensions or Social Security and find a pretty big gap between the two, annuities could fill that gap.
