Income guarantees aren't enough to provide a secure retirement, and retirees need to pursue growth, whether through alternative investments such as undervalued mortgage-backed securities and international debt or dividend-producing stocks and traditional investments, some experts say. "Retirement isn't an event. It's a process," says Kurt Brouwer of Brouwer & Janachowski. "One person in a couple may be alive 25 years after retiring. So if you don't have some growth in your portfolio, taking into account inflation and other factors, then you could really be struggling 25 years from now."

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