I had a couple of nice 3.5%, $100K CD's mature a few months ago. One went into an online purchased, B+ rated, 3 year fixed annuity at 3.25% with Gainbridge. The other went to buy shares of VTI. I am curious to see which investment does better in 36 months time, LOL. These low interest rates plus inflation make it tough to stay completely away from the market.