<< The wife is insistant that she wants zero risk of loss of principal>>Sorry, Fixed income investments have more risk than a mixture of fixed income and stock overtime. Your T-Bill investments will leave you without enough money when you are to old to go back to work. You have to get your wife to do some reading or go to some investment classes. Fixed income only is a mistake. It could be a very big mistake. Might pay to find a fee only financial planner. One who does not sell investments.
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