Conservative Investing - Alternatives

Q. I have read several of your articles on the downsides of EIAs and I understand what you are saying about many of the ommission-paid agents out there. I can see why they would want to push the products.

As a very conservative individual who does not know that much about investing, is there something out there where I can get a guaranteed income, no market risk, no management fees, and be able to make a decent return? I have most of my money in CDs because I don't know anywhere else to protect my money. Right now protecting what I have is more important than the big 23% returns.

A. If you are looking for something that is FDIC insured, where there aren't any commissions and yet you can participate in the returns of the market then take a look at Equity-Linked CD's.

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