I have a sudden need to place a modest amount of cash into something that is either no risk or very low risk. This is for a family member who is close to retirement. I know this is a trader's den, but I assume that some of you traders "bank" some of your profits into something w/ a substantially smaller risk factor. For this reason, I thought I would poke around and see what vehicles you folks use and why. Investment grade bonds? Money markets? CDs? an ING savings account?