Instead of paying out only investment income to current heirs, a total return unitrust pays a fixed percentage of its total value annually.

FORBES: In growth we trust

As a result, if older people are to live with dignity this means we're going to have to value them and the relationships we have with them more, so that we are willing to forego current income to support them in the hope others will do the same for us in the future.

FORBES: Opinion