Ben Bernanke's Federal Reserve policy of near-zero percent interest rates forces many retirees, and others who depend on savings income, to take more risk. Those who can least afford it are being herded out of their comfort zone.
The Fed focus is on energizing the larger collective economy, though its efforts to-date have not yielded the long-promised turn around. More danger lurks ahead. And individuals are pushed to take the most risk in the Fed's latest attempt to create at least the appearance of a normal, functioning economy.