Personal Finance and Investing

said US savings bonds were paying something like 3.75%.If that's true it's not bad. I think the article said they came with some inflation protection. Can't get any safer than that. A little farther out on the risk spectrum would be a bond fund from a place like Vanguard. Not risk free. Bonds very occasionally drop in value, but nothing like the stock market. I think recently those types of investments have been returning between 4 and 5 %. When I retired I moved some of my money into a T Rowe Price income fund that is a mixture of 80% made up of their bond funds and 20% of their equity income fund which invests in dividend paying stocks. It's been doing decently the last five years.
At the age of 66 I still have significant exposure to stocks. I like to think I am still a long term investor. At least I can hope so.