Yes, Betty, there are. I might look at CD's, annuities, and Treasuries. CDs are rarely paying over 1% but you can find guaranteed annuities that pay 5-7% with a small loss in liquidity (and payouts are tax advantaged for the first few years). MUNIS are tax free (but are pretty poor earners and have interest rate risks) and Treasuries are as safe as you can get, if held to maturity.
