What are the various instruments available for the retiree? How should they make their money work hard for them? How can they get a perpetual income other than traditional annuity? I had been asked to provide the answers frequently but the number of products suitable for the retiree is limited. Through much research, we introduce an innovative investment portfolio for the retired personnel so that perpetual income can be obtained.  This article appeared in Feb/March 2008 issue of INVEST and can be downloaded HERE.