You don't need to read too much until you get the gist of things.
Brother ... there's always someone with their hands out ready to sell absolute junk to line their own pockets. Or because it sounds "safe"

Not that ANYONE ever listens to me, and it may sound smug only because it doesn't follow the herd, but all you need are about 20 individual blue chip dividend growers in the non resource sector because their earnings are more stable. I can help with 9 - Emera, Fortis, Enbridge, Brookfield Infrastructure, CN Rail, BCE,Telus, TD Bank, Johnson and Johnson. Hold them for about 10 years through the business cycle and let the tax efficient dividends grow. You'll get a yield on your original investment which in effect "bondifies" your security since it will probably never go back to the original price you paid for it.

You have to be very patient

I've done this for over thirty years and I'm VERY retired with a growing income. Good luck on any pension offering that ... or mutual fund or ETF