For decades, retirees leaned on bonds to provide steady income and portfolio stability. But today’s retirees face a different reality: government and corporate bond yields are at historic lows, and rising inflation erodes purchasing power year after year. In this article, we examine why traditional bond allocations may no longer meet the needs of modern retirement planning. We also explore how private credit—specifically short-term, fixed-yield strategies—can restore income potential while preserving the predictability retirees depend on. Learn how StableYield helps retirement investors break free from underperforming assets and regain control of their income stream.