Dear Mr. Berko: My spouse and I are both in our early 60s, and we have $10,000, with the hope of being able to get an 8 to 9 percent return. I know this may be a high reach because we don’t want to own any volatile issues. If there is such an animal that could give us this return, with moderate risks, we’d be very appreciative. — PC, Akron, Ohio Dear PC: My friend Velveeta Jackson has accused me of eating too many Twinkies under the power lines, because the issues I recommend tend to be income stocks.