<prompt> Human: So my mother is 60 years old and retired. She has a pension but also has 15,000 in a CD. She isnt planning on using the money any time soon, she just wants it safe. She already has an emergency fund in her savings account. My thought is that she should put the money to work since it isnt needed right this minute. Maybe in a Vanguard fund or something. She is convinced that if she invests the money its going to all be lost and I thought of trying to find some nice, safe funds that do better than the 1.2 she is currently getting. Any suggestions?  <response>: When you want money safe that means youre not going to get a high interest rate on it. If you want a higher interest rate, it means a higher risk. Whenever someone invests, you want to see how risk tolerant or risk adverse you are. 