In the pursuit of financial stability, safety becomes paramount, especially when the markets are unpredictable. Safe investments are those financial choices that offer a sanctuary for your hard-earned money with minimal risk of loss. These are particularly appealing for individuals who are nearing retirement or simply those who prefer to sleep peacefully at night, knowing their funds aren't subject to the whims of volatile markets. One classic example of a safe investment is a High Yield Certificate of Deposit (CD). Unlike stocks and bonds, which can fluctuate wildly, CDs offer a fixed interest rate over a predetermined period. They are insured by the FDIC up to certain limits, providing an added layer of security. Not all CDs are created equal, though.