Consider this investment if you're worried about losing all your money

Series I savings bonds are earning 1.9% — that's a fixed rate of 0.5% and a variable inflation-based rate of 1.4%.

You buy this type of bond directly from the Treasury Department, and the annual limit for electronic purchases is $10,000. The Series I savings bond, issued by the U.S. Treasury since 1998, comes with a fixed rate of return, plus variable interest that's based on the rate of inflation. And while these bonds come with holding periods, and investors could earn more elsewhere, the option offers some guarantees that may appeal to skittish investors.

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