The majority of the people have no idea how the market works. I know because I have worked with many people over the years. Keep in mind, there are retirement investment choices out there to supplement Social Security such as Roth IRA's regular IRA's Keough Plans, SEP plans just to name a few that can be used to supplement S.S. Social Security was never intended for people to fully be able to live on. It was intended as a safety net to be supplemented by savings.
Yes, your farmland is going up but you would not see that increase unless you sold. That is only a paper gain. There are a number of reasons that farmland is increasing in value today but that would be to lengthy of a discussion.
I don't know if there is a strictly farmland REIT or not.
Rumor is that a shell company for George Soro's has been buying up farmland in the Missouri river basin. The name of the company is lost in my memory bank.
There are winners and losers in the Futures Market. Around 65% lose. One thing one knows when going into the Futures Market; they know how much they can lose. That is all of it.
The Futures Market is for those that like to speculate.
Let's take a look at both.
The average monthly check for SS is about $1,200/mo. Not bad. Investment is secure, pays disability, and dependants.
Look at private investments. Take a look at FTR that pays about a 12% dividend. Do not consider capital gains.
If a 20 year old started out working 45 years ago at $300/month and put in to that stock his SS contribution plus the companies contribution which would total about $36/month. He invest just the 36 dollars every month into stock until he retires at 65 after 45 years his total holdings would be about $772,364 to retire on. If he with draws 10% per year, $77,235 this would give him a $6,435/month retirement until he dies. Plus the 772,364+ balance to leave to his heirs.
So which is better?
One draw back, the market gives no guarantee.
if you could get a 12% return every year, simply invest a lousey $5,000/yr and you will have capital of $6,791,150 after 45 years (FV/5/45/12) but, of course, 12% is fantasy and there WILL be market crashes ...
your 12% is not realistic ... assume more like 6-7% ... also consider the losses of the crashes in 1987 and 2008, the latter took 50-70% of assets ... you have to assume massive reinvestments in March 2009 to recover much of the loss ... assume no such reinvestment and 6% returns in normal years ... you $772M is more like $300M ... assume you live 30 years and get a return of 5% ... annual income is $19,500 or $1,625/mo, about what SS pays and you have a residual value of ZERO ...