1% return =s no risk, the stocks talked about in the ibox have more risk and thus one would expect more return. They are buy and hold type stocks so if you might need the money soon then they may not fit your investment criteria. you need to decide what your risk tolerance and investment timeline is and fit a strategy to "it". One method may be to take half and divide it among the FLD stocks that you like and then see how you like it. decisions, decisions.. imo