text:  with nothing else need to keep pace with inflation with your retirement money otherwise you may very well run the risk of running out all right so when you look at them your your iras and your 401ks let's make sure you've got a nice diversified portfolio that's going to have some safety in it through some bonds and some utilities and some high dividend paying stocks and then you're going to have to have some growth in there as well some stocks that have a little bit more risk