The Mad Money host knows that may sound heretical – after all there's a good chance your grandparents put all their money in bonds and lived quite nicely in their golden years.
Unfortunately, this isn't your grandparents' market and Cramer believes that putting a lion's share of your retirement money in bonds now won't generate returns that are nearly sizable enough, when you're read to retire.
"Right now the 30-year Treasury, our government's highest-yielding bond, pays a 3.65% yield. Do you know how long it would take for you to double your money with that kind of annual return? Twenty years, that's how long," Cramer noted.
Instead, the Mad Money host believes that the stocks of good companies, with solid management, attractive prospects, strong balance sheets and quality leadership provide the better path to retirement funding.