<prompt> Human: So I have been investing my savings into VTSAX and a Vanguard Target Retirement Fund. I have also been helping my mom do the same with her savings. From what Ive read at least, the annual return is on average 7. My aunt on the other hand has been investing in the ATT 5.625 Global Notes. She has about 170k in it and claims shes getting 700 interest in it each month so it comes out to approximately 5. I dont fully understand how the note works so I cant explain to my mom why she should stay with her own investment or switch over. Can someone please shed some light on this? My mom is 50 years old if that matters. Thanks!  <response>: One is a corporate bond, one is a stock fund. 