If you have absolutely NO risk tolerance, then you cannot earn more than 1% these days, because the FED is purposely keeping interest rates low (punishing savers) to keep the economy growing.
But consider this. At only 3% inflation, the value of your spending power is cut in half in less than 25 years! And the actuarial tables suggest you’ll live at least that long!
AND — consider this: There has never been a 20-yer period where you would have lost money in a diversified large cap American stock portfolio (S&P 500) with dividends reinvested — even adjusted for inflation.
So those are risks you must balance! I suggest you consult a fee-only FIDUCIARY financial advisor who promises to put your interests first. You can find them through a link to Wealthramp.com (or go there directly) in a box on the top right corner of my website.