May be the wrong place but this forum is for investing too I see.
I'd like to attempt a improvised retirement in 5 to 7 years. (Started saving way, waY too late.) I currently have 3 – 4O1K's a modest Roth and a very small brokerage account I'm 100% equities in everything! Actually I'm 100% Voo Index. I have learned my lesson after being trapped in this downturn, and would like to lessen risk AFTER ATH's are reached again.
This is where I get confused. The correct approach appears to be bring bonds into the mix, and it seems this is usually done with a ETF type bond mix?. But, my current upstanding is that this bond thing, is not the sure thing I thought is was, and can lose money as rates increase? There's also the issue of current bond yields being so low
What to do? ATH's still seem to be far off, so maybe the picture will be Clearer then on how to move forward?
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