Even though you’re looking for low risk I’d consider US stock market in an index fund. Sure it’s possible it will have a couple down ears but the chance of 5-10

Even though you’re looking for low risk I’d consider US stock market in an index fund. Sure it’s possible it will have a couple down ears but the chance of 5-10% gains each year may be worth it. At 2% you are just barely keeping up with inflation, and may be falling behind asset inflation (real estate in particular) if you care about that.