Lets see. You can not put your retirement money in the bank because the Fed will not allow interest rates to rise to get any dividend income. We are told to put our money in energy stocks to get a safe and stable income. We put our money in these stocks, Cop, long before the Middle East price war, but we hold on for the dividend income. Now the dividend is cut, COP, and more to follow. The game is rigged so you get no income and have to spend your retirement principal. Add to that the government makes you take Mandatory Distributions. out of your IRA as your principal drops. It is a no win game for the retires as our assets slowly evaporate.