If I was to invest it would be in cds

 I bonds have been good for us.
Cds that can be added to

 Client must be able to identify good stock personally before going to broker, although it is good to listen to broker, but most brokers are always concern about their own interest which is Jobbers Profit. Broker suppose to be financial advisor or investment advisor but  most of them were always concern about their  own interest. So client should be able to identify what is good for his/herself before going to broker or otherwise seek brokers opinions request for stocks and out them client then make a research of which one should be the best for his/herself, we are in era of information now, make a wise choice through research.