Well, my allocation is not exactly perfect (real weak re: emerging markets). But, in this situation I want to just slightly fudge away with one of my three CD's and put that CD money into something almost as safe as a CD and still be compensated a bit more for my additional, albeit, slight risk. I'm afraid that a single stock, including a solid one like DUK, would be too risky (for me). And, even with the REITS meltdown , I'm still overweight there. Is there something that looks like money, smells like money, is as almost as safe as money, is almost as readily available like money (if needed) and pays out about 4+%?