bank cds

If you're going to invest in bonds, your best bet is a short-term bond ladder. And you might do just as well with bank CDs.

Investing in good mortgage loans will get you a decent yield, particularly in these days of miserable returns from bank CDs.

Right now, there is no good reason to own a bond fund, whether you're looking for income or an investment that will moderate the stock market's downturns.

You're better off owning short-term Treasuries or buying bank CDs.

Rates on credit union CDs, often called share certificates, are often higher than rates on bank CDs. Several credit unions are offering 4% or higher for one-year share certificates, according to Bankrate.com.