In today's market climate, many risk-averse investors face a major challenge: interest rates are so low that conventional, safe investments such as bank CDs, money market funds, and most bonds simply don't meet their income needs. In Higher Returns on Safe Investments, leading investment expert Dr. Marvin Appel shows how to earn more without exposing yourself to excessive risk or the costs of a highly-active trading strategy. Appel shows how to take advantage of high-yield bond funds and income-producing equity strategies... when to purchase individual bonds, when to use bond mutual funds, and which bond funds are best...how to make diversification and "buy-and-hold" work for you the way it's always been promised to work. Wherever his strategies introduce added risk, he presents proven strategies for mitigating that risk. The end result is a complete program and master portfolio which can be implemented without significant time, capital, or investment expertise and which can generate attractive long-term returns more safely than you ever thought possible.