Hi, I'm Geoffrey! I've been lurking on this board for quite some time and have learned that there are a lot of users here far wiser than I when it comes to investing. So, I am hoping for a little free advice (LBYM at work!). I'm nearing retirement after a career in the federal service. I've been a consistent contributor to our Thrift Savings Plan and have always squirreled away at least 20 percent of my net pay. The problem I have is that I am ultra conservative when it comes to investing. I just can't bring myself to risk any of my savings on anything but the most conservative investments. Consequently, the performance of my "portfolio" has significantly trailed the performance enjoyed by most of my peers who have accepted greater risk. To illustrate, I presently have about $500K invested in EE-bonds and I-bonds, and all of the TSP is invested in the G-Fund. I have attached a snapshot of my investments to better illustrate just how conservative I have been. Even my brokerage account is nearly all invested in a money market account. I am painfully aware of how foolish I have been, but my low tolerance for risk simply has not allowed me to venture into stocks, bonds, reits, etc. As I near retirement I realize that my dismal returns are not going to keep up with inflation. I think I am ready to "rebalance" my "portfolio." Can anyone suggest a very conservative, but more more rewarding approach than I have employeed thus far? What is the ultimate "coward's portfolio?" Any suggestions about how to redistribute my savings into more productive investments, while maintaining low risk, would be greatly appreciated!