[tartoran]

With that return your risk may be 0 but a guaranteed loss is what you choose. If you want to preserve wealth and want to beat inflation go with mutual or index funds, they go up and down with the market and the market beats inflation and appreciate quite a bit more. Or bonds.

[CameronNemo]

All of those are what I had in mind. All of those incur capital gains tax, with the exception of perhaps some govt bonds (which have low yields).

[imtringued]

Specifically, look out for funds that specialize in low volatility. Their gains are lower but so is the risk.