If you're looking to increase your portfolio during retirement and maintain some semblance of conservatism, consider a money market account, investment fund, preferred stock, life insurance, certificate of deposit, or Treasury securities. Certificates of Deposit (CD) are one of the safest investment options for seniors because a fixed amount of money can be saved for a fixed amount of time to generate a guaranteed return. These can be purchased at banks, brokerage firms, and credit unions, and the bank pays a higher fixed interest on the fixed amount. This is a savings account with a fixed monetary rate for a period of time.
Well-established companies often pay dividends to shareholders. People who want to see a more consistent or stable source of income should consider dividend-paying stocks as a safer investment option. Treasury bills, notes, bonds and TIPS are some of the safest options. While the typical interest rate of these funds will be lower than that of other investments, they carry very little risk.
The average 70-year-old will most likely benefit from investing in Treasury securities, dividend-paying stocks, and annuities. All of these options offer relatively low risk. The page you are trying to access doesn't seem to exist. The risks of the stock market for an elderly person are significantly dependent on the allocation of assets in the individual's portfolio.
If most of your investments are in bonds or bond funds and only a small part is in the stock market, that allocation is probably age-appropriate. However, if the 80-year-old owns a large share of stocks or funds, even if he has owned those investments for years, some reallocation of assets may be appropriate to reduce exposure to a potential bear market in stocks.
