I gave examples of peer2peer lending which can achieve 6% on cash deposits. Stock market investments should hopefully earn more Simon yeah, If you do not have to cash out your energy stock when oil prices are down.
A 6% return is doable, in real estate related papers. I know of a $ 70 000.- account that has given the mandatory senior payout of 7000,- per year for a decade, and has still 50 000 in the balance. money is magnetic, it attract money.
The best retirement advice imo: get a government job, municipal, federal, state, province. invest your disposable income in real estate; buy and rent out, when you sell,-- you hold the mortgage, double your selling income. If you are the money person, do not get divorced.