With the stock market continuing its rise, the dividend yields on many stocks are down. This combined with the continued low interest rate environment is putting major stress on those who want enough income in retirement so that they never run out of money.

Target (TGT) has been on a tear lately with its stock price up 26% over the past year. Perhaps equally impressive is that its dividend has increased by 20% over this same time period. For investors in Target, times have been very good.

With the recent major decline in oil prices, Exxon's (XOM) stock price has taken a hit. It is now down about 10% from its peak. Given the price decline, it dividend yield is now up to 3%.

The stock market has once again shown that the days of nerve-wracking volatility are not over. Economic growth in the developed world remains sub-par to say the least and many still believe that most of the stock market here is propped up with easy money from the Federal Reserve.

Every day we see articles about how so many of those in their 60s cannot stop working for at least another decade. Many of those approaching retirement age simply did not have enough money saved and were not prepared. This, combined with losses from the crash of 2008 and 2009, has left many people struggling to figure out how they might retire before they’re 65 or even 70 years old.