This is a very simple fix... MAKE IT A TRUST FUND!.. A real one.. Invest the principal and then divide and pay out the earnings and don't touch the principal.. Isn't that the most conservative way to run a retirement fund??
I have no idea where they get their data from.. Most individuals I talk with have nowhere near that much.. And most of that is in invested in their 401K and in their own company stock which is really scary!