Legal Bill

I don't know. At 3 or 3.5%, I might just buy some bonds and actually hold them to maturity.

trapper

3 to 3.5 is pretty attractive but I've never bought individual bonds and held them to maturity...always bought/sold thought a mutual fund or EFT.

The age calculator says I'll live to 92. I don't think I'll make that and so my with my limited time frame doing that isn't really [IMO] an option.

If rates for the 10 yr do rise to 3.5, I think they'll probably creep up a lot higher. In which case I won't buy into anything longer than utra-short bond funds/ETFs until rates appear to have peaked.

BrutalDawg

Timing the market will and has gotten many people in trouble, missing out on gains forever. Over the past 100 years equities has outperformed all other investment vehicles. I do not care what the market does tomorrow, next week, next year, or the next 5 years. I suspect American business like Coca-Cola, PepsiCo, Proctor and Gamble, Johnson and Johnson, General Electric, Kimberly Clark to name a few will continue to produce products the world will consume long after we die. In this, they will continue to pay out quarterly dividends, raise dividend yields and appreciate in stock price. The S/P 500 will be higher then it is today by the time I retire. This is not saying there is no risk in the market, but mitigating it is required. Invest in the business, not in the stock.