2020 is, perhaps, the most difficult environment ever for retirees or anyone looking to generate reliable, growing income from an investment portfolio. The 10-year US Treasury is yielding less than 1% [1], two-year CDs are at 0.8% [2], and US bonds, in general, have a yield to maturity of 1.2%. [3]

It is natural for people to look for, let’s say, creativ…