You could look at Treasury that are indexed to the inflation rates. Preet safe bet there. I would also think taxes. You are paying taxes on MMA anyway so you were already behind the inflation rate. You may want to consider looking at a California Municipal Bond Bond. I like the American Funds as a solid mutual company and if you have over 100K you begin to get break point on the load.

Also if you purchased CD’s see if ther is a bump or add on provision. I bpurchased CD’s from WAMU and it had an add on provision. F

For instance you put 10K into 9 CD at 5.45%. Now that the Rates on MMA are adjusting I have the option of adding up to an addional 10K into my orginal CD accoutn at the 5.45%. You may want to see if you CD’s have that option. I know mine do.