As more and more baby boomers dive into retirement, the growing retiree market is becoming increasingly attractive to anyone with a product or service to sell. Brokers haven’t been shy about packaging investment products designed for retirees — particularly products designed to generate high levels of income, which is typically a high priority in retirement. However, you don’t need to buy an off-the-rack (and potentially expensive) income fund for your portfolio — you can build one yourself that you customize to your own preferences and risk tolerances.