If you want safety with high yield, get into money market funds. If you have $1M or more to invest, you can get 5.37% yield, less than a million, you can get 5.1%, without losing any of your base. Stay in as long as you want.
I used to get in so-called safety investments: bonds and balanced funds and I stopped doing this 20 years ago. They just don’t make enough return and they can still lose 20-30% during downturns, maybe a little bit better than stocks/funds.
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