Each month we sell covered calls on ETFs that track a few different asset classes: stocks (NYSEARCA:DIA), gold (NYSEARCA:GLD), and US real estate investment trusts (NYSEARCA:VNQ). A New York Times article titled " Why Many Retirees Could Outlive a $1 Million Nest Egg " said: "For people close to retirement, the problem is acute. But under current conditions, if they spend that $40,000 a year, adjusted for inflation, there is a 72 percent probability that they will run through their bond portfolio before they die."