4.1. Bucket 1: The Income Bucket4.1.1. Sub-Bucket 1A : The Lifetime-Income Category4.1.1.1. A Recent Innovation.4.1.1.2. Extra Cost.4.1.2. Sub-Bucket 1B: The Fixed-Income Category4.1.2.1. CDs.4.1.2.2. Government Bond Funds.4.1.2.3. I Bonds.4.1.2.4. TIPS.4.1.2.5. Immediate Term-Certain Annuities.4.1.2.6. Floating Rate Funds.4.2. Bucket 2: The Relative Safety Bucket, Mid-Term Investments4.2.1. Fixed Annuities4.2.2. Corporate Bonds or Corporate Bond Funds4.2.3. Ginnie Mae Funds4.2.4. High-Yield Bond Funds4.2.5. International Bond Funds4.2.6. Fixed Indexed Annuities (FIA)4.2.7. Principal-Protected Annuities4.2.8. Structured Products4.3. Bucket 3: The Growth Bucket, Long-Term Investments4.3.1. Sub-Bucket 3A: The Growth-and-Income Category4.3.1.1. Traded Versus Nontraded.4.3.2. Sub-Bucket 3B: The Long-Term Growth Category4.3.2.1. Value-Averaging.4.3.2.2. Other Possibilities.4.4. A Final Word