I am trying to set up our portfolio for retirement and want our money in safe investments. I was looking at the ladder strategy, but I find GIC's pay so little in interest, bonds are better but only if you buy corporate, (not government, provincial or municipal), any suggestions as to how to do this and still make a reasonable amount of money on top of inflation? I am beginning to believe that if we want our money safe we may as well take it out in cash and keep it in our mattresses (just don't throw out the mattress). We are struggling to do this ourselves as we have lost faith in our financial adviser, and I think he is avoiding us. Help!