According to a 2015 study by TIAA-CREFF, “Fifty percent of investors with at least $250,000 in investable assets say their most important investment goal is to generate income in retirement, and only 41 percent say their top goal is to accumulate savings for retirement. After two fifty percent market crashes and government debt out of control, smart retirees know they can't rely completely on Wall Street to save them! There is simply too much risk!