I was glad to see #4. You need something to protect you, at least some, against hyperinflation.

For example, my dad used to go out on a date on a quarter — movie, cokes, popcorn, and gas. When I was a teenager, the same date cost $2.50 to three dollars. Now, when I am retired, it would be at least thirty dollars.

Yesterday, there were 85-year-olds dancing on the square in The Villages, FL. They had been retired for 20 years.

You must have some way to keep from spending your savings down during retirement. Inflation will do that for you. Hopefully, your income via Social Security, pensions, and investment returns will cover your daily expenses, and make up some of the inflation costs.

Stock funds come the closest to following inflation as it goes up.