If the market does a 2008 again I don’t want to lose 60-70% of what I have.CDs are the safest ... interest rates for 3 year CDs are running around 1.6%.
I also just read this a few days ago:
"Best Vanguard Funds for the Next 5 Years: Vanguard Wellesley Income (VWINX)" Expenses: 0.25% Minimum Initial Investment: $3,000
"If I were forced to choose just one fund for the next five years, a top contender for that selection would be Vanguard Wellesley Income (VWINX)."
Source
This was published in late 2015, but is a 5 year projection.