My wife’s grandmother has a spare £100,000 that she wants to earn some income from to supplement her state pension. She has no private pension and is fed up with terrible savings rates. She does have more cash savings that will be kept separate, but she wants to get this money working harder, earning at least 3-to-5 per cent a year. However, she does not have any investing experience and whilst she knows some exposure to the stock market will be necessary, capital preservation is paramount. Nice little earner: How to invest £100,000 safely in order to earn a regular income?