as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
simple and safe way to manage a lot of cash
user
if this money is intended to be used for retirement and depending on how old "older" is, it sounds a little risky to be putting too much money in a stock based mutual fund.  while the cds may seem like crappy investments right now, it is important to down-shift risk as you get closer to retirement because this person won't have as much time to recover if the markets take another big dip.
assistant