<human>:  What are the pros and cons of different types of retirement investments?
<bot>: 
Pros of different types of retirement investments include:
 • Low risk investment options such as certificates of deposit and conservative mutual funds that protect principal investments while providing modest returns.
 • Higher return investments such as stocks, bonds, and other marketable securities that can generate more substantial returns over time.
 • Real estate offers a hedge against inflation and the potential for long-term capital appreciation.
 • Reverse mortgages can provide a steady stream of supplemental retirement income.

Cons of different types of retirement investments include:
 • Lower return investments require a longer period of time to accumulate a meaningful amount of retirement savings.
 • Higher return investments come with a greater risk of loss.
 • Real estate investments require a significant amount of capital and carry their own set of risks and potential liability.
 • Reverse mortgages may come with high upfront costs and require the borrower to maintain homeowners insurance.