<div id="readability-page-1">Why shift now?: Experts caution that high market valuations and historical crash patterns make heavy stock exposure risky for retirees nearing or in retirement. Income challenges: Falling bond yields and possible Social Security cuts could leave retirees short on income, forcing them to dip into principal. Safer alternatives: Analysts highlight short-term Treasury ETFs and high-yield savings accounts as low-risk, liquid options for capital preservation.</div>

SCHO

VGSH

GOVT

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<p>Analysts recommend that baby boomers transition to ultra-safe assets due to high market valuations and historical crash patterns that pose risks for retirees. With falling bond yields and potential Social Security cuts, retirees may face income shortages. Suggested low-risk alternatives include short-term Treasury ETFs and high-yield savings accounts for capital preservation.</p>

iShares Barclays Short Treasury

SPDR Bloomberg 1-3 Month T-Bill ETF

Schw Shrt Us Trsy

iShares Barclays 1-3 Yr Treasury

Vanguard Short Term Gov

ISHRS Us Trsry Bd

SPDR Port St Trsy

Analysts urge baby boomers to shift toward ultra-safe assets