BEST WAY TO INVEST $100,000.00 FOR PROFIT AND SAFETY.I AM RETIRED.THIS IS CASH IN MY PORTFOLIO.NO CD PLEASE.?

buy the us treasury short etf. symbol is TBT. As interest rates rise you will win.

this should not be money you need for 3-4 years. if you need it before then then keep it in CD’s

High Yield Bond, Muni and GOBs are a good choice. International bonds also. Look for Tax free. There are some High Yield stocks out there. CMO for one. A better time would have been to get in in Feb/March 09. You missed out on the run up.

Profit and safety are almost mutually exclusive goals.

To increase return (profit) one must increase risk. The more risk you take, the higher the probability that you will (1) loose some or all of your principle and (2) that at any moment in time you will not be able to get all of your principle investment out of the investment.

The basic 100% safe investments are money market accounts at FDIC insured banks/credit unions, US Treasury Bills, Notes, & Bonds. These are currently yielding .03% (1 month) to 3.2% (10 years). That is your no risk yield curve (plotting return to required time of investment).

If this is money you cannot loose or must have for income, it belongs in these investment (or short term CD’s when yielding more) and nothing else.

If this is money you can risk a little and will not need for 3-7 years, you can look at very conservative, low cost (no load), bond mutual funds or bond index funds. PIMCO Total Return, Dodge & Cox Income, AGG, TIP, SHY, & LQD being close to the industry standards for comparison (Some PIMCO fund classes may have loads and/or high fees).

If you can take on more risk and will not need the money for 7-15 years, you can look at a stock/bond blended fund. I am partial to Vanguard’s Wellesley Income fund on the conservative side and T. Rowe Price Equity Income Fund on the agressive side. There are many good funds that operate at low cost between these two “extremes.”