As the title states. This is the first year I have purchased iBonds. $10k is far above the expected bond ratio for my current asset volume and my age (30). But it was 9% so I said fuck it.
Now with 4% in 2yr TBills, I think ”hey, a risk-free return amidst a red wedding”…
But at the same time, as we are testing June’s lows, I have to think that this is a major dip like I’ve never been able to invest in before (for not being liquid during COVID crash). And thus im torn. Risk free return, or buy the dip.
I think my other logic pushing me to stay in DCA mode for equities is - “do I think that we will EVER get back to ATH?” If yes, then that’s a guaranteed 20%+ return at current price.
On that same logic, the only justification I can see for someone not being in equities is they must think we will never get back. I am sure this is flawed, but it’s what has me torn.
Not really a question in here. I suppose just curious what everyone’s take is now that we actually have a risk-free return that is getting to the point of serious consideration.
Submitted September 23, 2022 at 11:55PM by Rich_Foamy_Flan https://ift.tt/a2MDmOk
