No. of Recommendations: 7
You've gotten several responses addressing your question. That leaves me free to question your assumptions. Particularly:

My mother is getting close to retirement age, and has all of her money in CD's. I know she needs to get into the market to get a higher ROI compared to her less than 1% return on CD's.

Why does she need a higher return?
How much of her retirement income will come from a pension? From Social Security?
What are her expenses expected to be?
How much does she need to draw from her savings to meet her retirement needs?
How is her health? Do you expect her to have an average lifespan? Shorter than average? Longer than average?
How comfortable is SHE (not YOU) with investing in something other than CDs? Remember that this is her money and not yours. So you need to take her risk tolerance into account and not your own.

I could probably keep going, but I think you get the idea.

--Peter
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