No. of Recommendations: 5
With all respect, everybody was return without taking much risk. Reality is higher returns have more risk. Today a 10 year Treasury Bond earns 1.85% -- that is about as close to zero risk as you can get. As has been posted CDs can be laddered, but those are not going to pay 2%.

One thing you need to consider is how mandatory your withdraws over the next 10 year are. It you really need to $20K per year and can't get funds from elsewhere, you are in a no risk or very risk intolerant situation - that will limit your return.

I am not in favor of annuities. These things make money for the insurance company and the sales force. Clearly you are not at the front of the line for returns.

If you can tolerate some risk one option might be putting in the range of $40 in a bank - that will cover two years. Then put the rest is a mutual fund that limits itself to large cap dividend paying stocks. This area will pay over your 2% target. Companies like AT&T, Merck and Procter & Gamble are not going out of business and they will pay dividends. Maybe in 18 months the market will be up 10% and these stocks up 8% -- so take another $40K out and move it too the bank. More risk but more return than CDs.

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