Baby Boomers Get 5 Low-Risk Retirement Picks With Yields Up to 4.80%

6 articles · Updated · 24/7 Wall St. · May 13

Five low-risk options were highlighted for baby boomers nearing retirement, as investors shift from chasing growth to preserving savings against volatility, inflation and broader economic uncertainty.
Treasury debt and CDs led the list on safety and yield: 2-year Treasuries pay about 4%, short-term T-bills 3.66% to 3.74%, and CDs roughly 4.10% to 4.80%, with FDIC insurance up to $250,000 per depositor per bank.
High-yield savings and money market-style products were pitched for liquidity, with cited rates from 3.20% to 3.75% and easier cash access than CDs, though insurance limits still apply.
For investors wanting tradable cash-like vehicles, the report also pointed to BlackRock Liquidity Funds FedFund yielding 3.46% and the SPDR Bloomberg 1-3 Month T-Bill ETF yielding 3.91% with a $0.27 monthly dividend.
The broader message was that retirees can reduce portfolio risk without leaving all assets in a standard savings account, balancing capital preservation, income and access to cash.

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