Due to a company lay off, I have a locked-in retirement account (LIRA) that I have elected to self direct. Right now it is in cash ($11,000.00 in the LIRA and I am 50 years old), but if I have my facts correct, I can't touch this money until retirement when it can be transferred to a RIF. Where can I safely place this money to achieve a moderate return. I am not a gunslinger, so I just want a nice retuun over time. It appears there are no tax consequences with a LIRA to worry about right now so this may influence things. Any thoughts?