My husband has done extensive research into various savings plans. We use E*Trade for most of our transactions. He invests our IRA savings in several different products such as a variety of stocks and bonds.We also have several kinds of insurance to cover future expenses, and two or three pension plans from his employer.
I am currently receiving Social Security, and we had been putting my checks into IRA savings accounts before my son and grandsons became unemployed. We are now using the money to help out other family members.