[adventured]

Muni bonds are the best way to go for that. You can still nail 4% plus after inflation and taxes there. You're not going to get risk-free anywhere, there's no such thing.

[nstj]

Can you provide some example names? I'm seeing returns of only 1.65% on the Barclays Muni Index[0]

[0]: https://index.barcap.com/Benchmark_Indices/Aggregate/Bond_In...

[whatok]

You're looking at the yield; not the returns. You also cannot directly invest in the index but there are ETFs that track it.

[nstj]

Sure - so you're factoring capital appreciation in to the total return for your 4% after tax number? Which would imply that you're not holding these to maturity though right?