(Reverse Mortgage Daily) - With bond yields remaining low, an increasing number of retirees and the financial planners who advise them are accelerating their search for stable cash flow sources that may be more reliable than yields from investments, which can be prone to the stock market’s volatility.

Specifically mentioned as a potential source for this more stable source of cash is home equity through the use of a reverse mortgage, alongside other financial instruments including annuities, pensions and the most traditional source of retirement income, Social Security benefits.

A DPL survey cited in the article found that 78% of advisors say predictable income is more important to clients than asset growth. DPL CEO David Lau noted that many planners are already excluding bonds from their traditional AUM-based fee structures, given persistently low returns. The story also highlights BlackRock’s move to integrate annuities into target-date retirement products, reflecting a broader industry shift toward guaranteed income solutions.

Researcher Steve Vernon of the Stanford Center on Longevity added that retirees benefit from diversifying income streams, pointing to Social Security, pensions, annuities, and reverse mortgages as four core “paychecks” for retirement. As Vernon explained, reverse mortgages aren’t for everyone, but can provide stability for retirees determined to stay in their homes.

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