We’re calling them Retirement Savings Stocks — 10 under-the-radar investments that can provide the cash needed to enhance your quality of life after you leave the workforce. A second income, in effect.

This collection of dividend payers is anything but ordinary. They dole out as much as 14 times what you can get from CDs, seven times what you’d collect from bonds and five times the payout of “brand name” Dow stocks such as Coca-Cola (NYSE: KO).

And each of these stocks is hand-picked by High-Yield Investing‘s Carla Pasternak, one of the most widely-followed income analysts in North America… and her criteria are rigid.

Among the factors considered before a stock is included in the pages of High-Yield Investing:

• A long track record of paying consistent and rising dividends.

• A matching history of improving earnings.

• Strong cash flow sufficient to pay dividends and then some.

• High projected growth that can lead to dividend increases.

• Manageable debt loads, so that there’s more cash to distribute.

• A noncyclical business model that helps a company prosper in all market conditions.

That means the 10 companies that make up the list of Retirement Savings Stocks are among the cream of this crop.

As of October 2012, the average yield on these 10 stocks was more than 8%… with two of them yielding more than 14%.

Think about that.

With a $100,000 nest egg, a five-year certificate of deposit yielding the average 1.73% would pay you $1,730 after one year. The payout on a 10-Year Treasury note yielding 1.67% would be $1,670. But a portfolio of Carla’s Retirement Savings Stocks, with an average yield of 8%, would pay $8,000.

After 10 years, these high-yield stocks would return more than $60,000 in additional income when compared to Treasury bonds or CDs — not even counting potential dividend growth or capital gains.

We’ve heard from enough of our readers to know that most of you are interested in — and knowledgeable about — income securities. Yet I doubt that you ever tire of seeing statistics like this: According to the asset management firm RidgeWorth Investments, from 1972 through 2010, U.S.-based dividend-paying stocks returned nearly 9% annually, trouncing the 1.7% return from non-dividend payers.

And when it comes to Carla’s 10 Retirement Savings Stocks, the news gets even better.

Cases in point: MV Oil Trust (NYSE: MVO), currently yielding 10.7%, and American Capital Agency Corp. (Nasdaq: AGNC), which sports a yield of 15.3%.

MV Oil Trust was created by MV Partners LLC, a private energy company, in August 2006 and began operations in January 2007. The trust was formed to receive 80% of the royalties from about 1,000 oil and gas wells located in regions of Kansas and Colorado.

American Capital Agency Corp. is a mortgage real estate investment trust (mREIT) that buys mortgages backed by government-supported agencies Fannie Mae, Freddie Mac, or Ginnie Mae. Like most mREITs, American Capital Agency uses significant leverage by entering into repurchase agreements (repos) and hedges interest rate and prepayment risk through derivatives. It effectively borrows at short-term rates and invests in longer-term mortgages, pocketing the difference.

These the two high yielders have delivered total returns significantly greater than the broader market… and even better than high-profile dividend-payers AT&T (NYSE: T) and Verizon (NYSE: VZ) during the past five years.

Action to Take –> If you’re a “retirement-age” investor, or any investor looking for safe, reliable income for that matter, then these are exactly the kinds of stocks you should own. Of course, there is no guarantee this performance will continue, and in fact, high yielders can lose money. But with the Retirement Savings Stocks Carla is tracking, I like our odds. 

[Note: These stocks have passed a rigorous screening process to be worthy of Carla Pasternak’s recommendation. Not only are their yields truly impressive, they must have a track record of safety and gains. Lou Betancourt, co-founder here at StreetAuthority, has put together a detailed report on all 10 of these stocks. If you’d like to see it immediately, just click here.]