I'm getting discouraged. When I retired in 1999 I asked for a bond portfolio with 6% yield. The unanimous answer was "you want a diversified portfolio". Since then the fed raised rates, lowered rates, tech bubble, Great Recession,etc. If you live long enough your portfolio will match historical returns. PS. don't forget RMD's at 70 1/2 just to throw thing off track a little more.
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