Though the payout over the long run is lower, the returns from bonds are generally positive after inflation and are much less volatile than stocks. These three are also considered noncyclical holdings, which means that people tend to buy their products -- beverages, soaps and shampoos, and Band-Aids, for example -- no matter the economic climate. In the end, that approach will help you enjoy your retirement in comfort, rather than spending the last years of your life worrying about where your next paycheck might come from.