Back a summer ago a man I know introduced me to stocks that are regulated by the US Government and call options of mostly electric companies. These utilities are REGULATED. by the US Government thus offering some protections. You can Google the whole list and there are many to choose from.

Duke and Southern are currently paying a yield of 5% or so.

A contract is 100 shares and you then sell a call on the contract for a future date. Right now 6 months out is good. Currently Duke Electric call option for January 2019 at $85.00 will get you $150 per contract of 100 shares. On top of that is the 4.95% dividends or yield on a annual basis. Then if someone calls it and takes it at your agreed 85$$ price you made another $4.00 or more on the difference of today’s closing price of nearly $81 and the price if call in Jan of $85.. another $400. At that point your 100 shares sold and you have $8500 in your account minus brokerage fees.

When you add the yield to what you are paid to sell the buyer of your stocks in the future it can add up to real $$$. This can go above 10% plus any increase in price.

Read up on it. There are many online brokerage firms and the fees vary.