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Originally Posted by gustavo
Buy Altria stock
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A very good company with a good dividend, but again your placing all your eggs in a single basket. Any single company can fail.
For low risk, decent return, buy low cost index funds that cover the entire market. A total stock market fund, a total international fund, and a total bond fund. Use Vanguard, Fidelity or Schwab. The all have low cost funds. A very simple 3 fund portfolio in low cost index funds, balanced to meet your risk tolerance (probably around 40% TS, 15% TI, 45% TB) will provide a low risk approach that will allow you to withdraw 3% each year forever and 4% for 30 years. Re-balance to those percents once a year on your birthday.
If that is to difficult then just put half in each of Vanguard Wellington and Wellesley funds. They have a 50 year track record of steady returns with minimal volatility and low cost. That combination would give you 50% stocks and 50% bonds with just those two funds.