Are you looking for a response like, buy Disney? :) Dividends generally come at a cost, so why not straight market investments without dividends?
If you need the money available where you will not have a loss, it doesn’t exist. Anything touting guaranteed good interest (whatever that means to you) has a risk associated with it.
As you are noticing: The beauty of a low interest rate environment is that it’s cheap to borrow money (if you’re into that). The curse is that everywhere you put your money pays diddly-squat. Banks make money no matter what, of course.
We know many people who are very heavy on cash (savings or money market account), who are waiting for the shoe to drop in their market of choice. For this reason, anecdotally, we expect any market dip/“correction” to be short-lived, whether real estate or mutual fund investments. FWIW.