The income sources you mention are not earned income for EIC purposes, so your assumptions are correct. However, your adjusted gross income can disqualify you for an EIC, even if it is not earned income. So, you need earned income to qualify, but you don't need earned income to be disqualified.
You mention that you are retired. If you are 65 years old or over, you would not qualify for an earned income credit. Also, you would not qualify if you don't have any dependents you claim and have over $21,920 of income. Further, if you have investment income of $3,650 or more, you would not qualify.
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