Which is better for retirement if I want:

- At least a 3% annual return

- Little risk

- Security

Also, are treasury notes and TIPS taxed?

You might consider Municipal Bonds. FKTIX or FKITX, among others.

Dividend paying stocks could also be considered: JNJ, XOM or T.

Inflation is something to worry about. How much is gasoline, milk and bread in your town today? And how much was it 5 years ago?

go to accountbuilders.com and look up Couch Potato Portfolio.

Which is better for retirement if I want:

- At least a 3% annual return

- Little risk

- Security

Also, are treasury notes and TIPS taxed?