If you have $100,000 to invest now, you may be overwhelmed with your options. With stock market returns historically reliable, you may be tempted to strategically invest your money into a variety of stocks and bonds. Other savers, however, may prefer to secure a fixed interest rate on their money while protecting the principal of their six-figure account. It's easy to see why that approach can be attractive now. With inflation rising slightly in recent reports, layoffs a growing concern and

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