Beat The Street wrote:Call_Me_Op wrote:Include 30% in 30 year zeroes as part of just about any back-tested portfolio and it will look good.
Did it look good in 2013 when it lagged the market by almost 27%?
Clearly_Irrational wrote: During most periods of normal inflation real interest rates would be positive and I wouldn't be holding gold anyways.
sscritic wrote:Call_Me_Op wrote:Sounds like you might need your own central AC system.
I have one, it's just that I am (pick one): too cheap to run it, too much of a boglehead to run it, or both (is there a difference?).
JonnyDVM wrote:You don't need umbrella and I don't think they would even sell it to you given your current living scenario.
skepticalobserver wrote:Place your investments in multiple brokerages. Use short term t-bills, which are often commission free when bought at auction, instead of money market funds.
However, these days, it is best to nibble around the edges, fight for each bps, then relax. Rates will do what rates will do, which is revert to the mean.
Rates are rising again and it is quite possible we'll see better CD and money market rates over the next few months.