This is not an area in which I claim to be an expert, but I think you may benefit from hearing the advice of a financial advisor who probably is.
If you'd like to hear some real straight dope on what you'll need to consider in arranging your savings and investments for retirement, listen to last week's Financial Sense Newshour with Jim Puplava.
In the 3rd hour segment of the October 7 broadcast, host Jim and co-host John Loeffler discuss retirement planning and the need for income producing investments, especially those that can match or outpace inflation.
Why is this topic so important? For the simple reason that many Boomers will overestimate their financial preparedness while underestimating the eroding effects of inflation on their savings and investments.
If you like what you hear, check out the other 3rd hour "Big Picture" broadcast segments; Puplava and the gang have been devoting a lot of time to the issue of retirement planning lately. You can see a summary of each show's focus at the Financial Sense Newshour page, as well as their "Big Picture" segment archive.