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NEW YORK ( TheStreet) -- We want dividends from stocks, not coupons from bonds, Jim Cramer told his "Mad Money" TV show viewers Monday as he offered investment advice for this week's Powerball lottery winner and the founder of Tumblr, who also received a big payday courtesy of Yahoo! ( YHOO). Cramer explained that his usual advice for the super-rich is that "you only need to get rich once," thus sticking with safe investments makes the most sense. That's why his typical portfolio would include foreign investments, along with gold, high-end real estate and even paintings, with very little invested in risky equities. For the moderately rich, equities are also too risky, and Cramer said he used to recommend U.S. Treasury bonds along with corporate and municipal bonds. But these are not normal times, said Cramer, and the risks to bonds are too great, making them a sucker's bet at best. That's why he said that if he were advising this week's newly rich, he'd recommend high-yielding dividend stocks like master limited partnerships such as Kinder Morgan Energy Partners ( KMP) and Enterprise Product Partners ( EPD - Get Report), along with a REIT like Healthcare Trust of America ( HTA - Get Report), which combined would yield a healthy 5%. Cramer said he'd also go with strong growth names like Johnson & Johnson ( JNJ - Get Report) and General Mills ( GIS - Get Report), both of which offer yield plus growth. All equities have risks, Cramer concluded, but in today's market, those risks are less than that of bonds. Think dividends, not coupons.