I wish I were as smart as many here. I can never figure out when to sell everything, and more importantly, when to buy everything back. So I just stay in mostly equities even though I’m always nervous.
I’m also impressed by the high money market returns achieved. I’ve been getting around 5% for the past couple of years. But before that it was much lower.
I have found some nice fixed instruments over the past few years, but the highest yielding ones have short duration or are callable. So those nice returns aren’t really locked in.
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