certificates of deposit

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A retiree named Bob is confronting a dilemma many of his peers face: His nest egg is parked in safe cash investments, like certificates of deposit, and earning barely any interest. What can he do to get a better return? Laura Rowley looks at an increasingly popular alternative.

A few years ago, with $1 million invested in CDs, you could have lived off your interest, but with rates at historic lows, now your returns would barely cover a few mortgage payments. This is forcing retirees to find new, fairly safe ways to get those returns. The experts' pick? Dividend stocks.

CDs. Certificates of Deposit. They may offer low interest rates than you've grown accustomed to, but at least they offer some return on your money and are a lot less risky than the stock market right now. Yes, that's right. Putting money into CDs is probably one of the safest things you can do with...