As one economist put it: We are living in the “axis of upheaval” where social, political and economic risk collide at the same time. Volatility and risk are at record highs as investors face a paralyzing choice between high-risk equities and low-yield bonds. It is no wonder that professional investors such as Bill Gross, Mohammad El Erian, Sam Zell, Ray Dalio and other hedge fund and money managers are increasing their allocation to cash.

But at what cost? Nothing from nothing leaves nothing. For 10,000 baby boomers turning 65 every day (one every eight seconds), hoarding cash is not an option. According to a recent study by Kiplinger Finance, nearly two-thirds of pre-retirees and retirees are unfunded or underfunded for retirement, which translates to a whopping $7 trillion funding gap between what retirees have saved for retirement versus what they will need.

So what are today’s investors to do? Has investing in today’s market become akin to a sort of Sophie�