Well if you have enough noninvestment income today to meet all of your expenses, then whatever path you take should work … i am in a similar situation …. I have been gradually downsizing my investments the last few years in favor of cash and short term treasuries. I sleep well knowing my downside risks are minimal.
I am also content to know that my money market accounts are now paying 3.8% and short term treasuries 4.6%. Sure the overall inflation rate is high … but my personal inflation rate is not.
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