Ten years ago (2004) one year cd's paid about 1.5%. That was a wake-up call to not count too heavily on those instruments and also not on money market funds. But then there were other avenues to earn better interest rates such as corporate bonds and REITs. Still though, advisors began telling their clients to take a larger position in equities.
To find a decent interest rate today is near impossible. The 4% rule in selling your portfolio is popular, but you needed to change your mix to make it work.
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