Right now, Chevron ( CVX) is yielding 3.1%.

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The right ones: automatic withdrawal plans, high-coupon Treasurys, high yielding stocks, junk bonds, annuities and master limited partnerships.

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From there, it can be determined whether to stay within the relatively safe zone, which involves replacing low-yielding bonds with high-yielding defensive stocks, or on the flipside, take a bolder move and jump right into the action.

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