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Welcome ProjectPat1. We're glad you could join us.

Sadly, avoiding risk completely is a tall order. That puts you into fixed income investments where yields are very low just now.

You can expect better returns over time in equities, and that is what Fools usually recommend to keep your retirement funds growing to keep up with inflation over time. But its important that you find investments you are comfortable with.

To minimize risk, many are investing in dividend paying stocks. The yield paid by the dividend tends to support the stock price, but as company earnings grow, many increase their dividends. Hence, your investment tends to keep up with inflation. Good quality blue chip stocks also tend to be industry leaders. They are usually fairly safe.

Some would suggest an S&P 500 Index fund such as Vanguard 500 Index Fund (ticker VFINX). The S&P 500 can be regarded as the major leagues of business. They are low cost funds, and they tend to do quite well over time. That would be a good basic investment to begin with.
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