Well "savers" are gonna constantly lose, especially in a low interest rates environment, your ROI will be ate up by "real inflation". Your 401k is another huge fraud setup by the Wall Street casino, in fact look how much you already lost in your 401k. You must constantly leverage your money you can't let it sit idle. Rental properties are a good source of stream income, but are these rentals mortgaged or so you own them out right? We are in a deflationary cycle problem which is about to get real nasty. What will you do if you can't rent these properties and the holding costs start burning through your cash reserves? The artificial high prices of housing is soon to get a huge beating, way worse then 2009, especially due to the CB's failed policies. I'm not sure if you are aware but the 2nd largest pension fund pulled it's $150 billion capital out the markets. And since the FED just made the same mistake it did in 1927, we are entering a hell of a financial storm. ZIRP is about to turn into NIRP, which will cause a run on the banks unless they enforce the "No Cash Policy". Which will freeze peoples assets and all transactions will be taxed on spot. So I don't know what is actually a "safe" way of retirement. PM physically held could be a way of holding wealth. Physical metals are at a huge demand and are getting up to 40% premiums on the "spot" pricings. Right now we are entering the death spirals of a fiat currency. The petrodollar is coming to an end unless we can start wars again in the ME but Russia isn't too fond of letting that happen again. So I say short the banks and long the fema camps.