My mom is financially illiterate. I forced her to take out money from previous investment because her bank’s financial advisor recommended a product/market blend fund tht charged ~2% in fees which is insane/rip off. She now wants to put that $50k into US bond or individual company bond (i.e BoA, Apple, etc) based on her friend’s (businessperson) recommendation. Is this a good idea? She is looking for mid/long term horizon (2-3yrs) but I dont find bonds that attractive. Any other suggestions?

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If she truly needs the money in a couple years, I would not invest it in any stock. If she invests in bonds I would put it in a short term bond fund. Right now cds pay more and may be a better idea. You really need to understand how much she has and when she needs it. Not really enough detail to really help much.

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2-3 yrs is not long term. If liquidity is needed in that timeframe high yield savings is also an option. They don’t have any risk. Some credit unions offer ~2%

OP, what do you find attractive?

OP
1. Whatever you do do not sink that money in stocks now. It will wiped out during a crash and will take a very long time to recover. It could be 20 years. Many people underestimate the possibility of a crash and its crash's consequences especially Fish below 35 years old. Many will tell you to put in index funds saying do not time the market, time in the market matters(WB). The possibility of a crash is extremely high especially in less than 3 years. Your mum's business friend maybe right. But really trying to get advice from Fish for your mom is not great idea at all.

How old are you? If you are below 35 do not give her advice.
How old is your mom? If she is above 45 do not get her money wiped out. She does not have much time left to recoup.

What was the product? An annuity?

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