If You're Over 65: The Only 6 Safe Investments You Actually Need in 2026

Описание: The good news for retirees in 2026: you don't have to take big risks to earn solid returns. With the Fed holding rates between 3.50% and 3.75%, today's safe investments are paying more than they have in over a decade.

In this video, Clara walks you through the 6 best low-risk investments for retirees right now — with actual 2026 rates, real dollar examples, and exactly who each option is best for.

What you'll learn:
• Why 2026 is actually a great time for safe investing
• High-yield savings accounts: up to 4.01% APY (June 2026)
• Certificates of deposit: up to 4.25% APY — and the CD ladder strategy
• Treasury bills, notes, and TIPS — direct from the government
• Money market funds: 3.6–3.7% with same-day liquidity
• Dividend-paying stocks: steady income with some growth
• Fixed annuities: guaranteed income for life
• How to combine these to build a complete safe retirement portfolio

Timestamps:
00:00 — The opportunity most retirees are missing
01:08 — Why 2026 is different for safe investors
02:23 — High-yield savings accounts
03:50 — Certificates of deposit and CD laddering
05:50 — Treasury securities (T-bills, TIPS)
07:35 — Money market funds
08:53 — Dividend stocks
10:05 — Fixed annuities
11:15 — How to combine them: the safe retirement portfolio

Sources: NerdWallet June 2026, Bankrate June 2026, U.S. News June 2026, TreasuryDirect.gov, Motley Fool, Retire with Ryan Podcast

Disclaimer: This video is for educational purposes only and does not constitute personalized financial or investment advice. Always consult a qualified financial advisor before making investment decisions.

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