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SPY in the symbol for spiders which is the S&P 500. (as an interesting asside, today there are only 499 stocks in the S&P 500. They will add one more tomorrow.)

Bonds do have an interest risk and it was nasty during the late 70's. However, if you get short term bonds say 1 to 4 years -- that risk is much less and you can earn what ever the prevailing interest rate is. For example a bond with 2 years until maturity has very little interest risk and even if things turn bad, you can keep the bond until maturity and get what ever the prevailing interest rate was at the time the bond was purchased.
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