You can do whatever you want. You will, however, be losing money to inflation if you only have a savings account, CDs, and fixed annuities.
. . . plus you don?t get any tax benefit now, or then.
Do a mix if you feel safer.
I suggest doing a T Rowe Price targeted retirement account. They manage the account based on how close you are to retirement. The closer you are, the safer the investments. You can truly ?set it and forget it?. Don?t even look at it until you retire. You can start a fund with 50/month or 1,000 lump sum.
The people who got hammered were people right at retirement still trying to get a large return, but even then, they have gotten most of that money back.
In the end, though, it?s all about what YOU feel comfortable with. If after doing some research you would still feel your heart in your gut for the rest of your life if you had your money anywhere other than a savings account . . . then just go with a savings account. Living in fear is no good, enjoy your life.
EDIT:
And to the previous guy ? bonds and mutual funds can and do lose money. For absolute safety, if she is 100% risk adverse, then savings, CDs, and fixed annuities are the only way to go.
oec jamiroquai jamiroquai amber heard helen keller happy feet jerry lewis
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