Reply To: My savings account and CDs are earning almost no interest, any solutions?

While over the long term the index recovers, it can sometimes takes years to recover. If the market crashes 50% in year 1 you need a 100% gain in year 2 just to break even. I can’t afford that.

Safer bonds, not junk bonds are ridiculously low yield.

The peer to peer lending sounds interesting. I have to research the safety and about how easy it is to cash out on the loan.