Core Insights - Many savers are turning to certificates of deposit (CDs) for income, which offer predictability and safety but come with lower yields compared to other fixed income options [1][2] - The national average rate for a 12-month CD is between 1.5% and 1.6%, while some higher yields may be available but often come with high minimums or penalties [2] - The ETF marketplace provides low-risk funds with yields of up to 4% or more, although they lack FDIC insurance [2][3] Group 1: Investment Options - The iShares 0-1 Year Treasury Bond ETF (NASDAQ: SHV) offers a pure Treasury bill option backed by the U.S. government, yielding 3.5%, which is significantly higher than most CDs [5][6] - This ETF has historically shown minimal share price volatility, with a maximum drawdown of only 0.4% during the 2021-2022 period of aggressive interest rate hikes by the Fed [6] - The WisdomTree Floating Rate Treasury ETF (NYSEMKT: USFR) invests in short-term floating rate Treasury notes, providing an alternative to fixed-rate Treasury bills [7]