xhail asks,Like you, if I would have maxed out in stocks say 5 years ago, I would be much farther towards both, but hindsight is 20/20.I would be interested on yours and Intercst's thoughts as well as others on the article referred to in jtmitch's post #4616.Thanks! I don't see much difference between the standard "3 to 5 years in cash" and this trademarked "BondWheel" concept. (I guess it shows that you can trademark anything, it's not like a patent.)My preference is to hold CDs and Treasury notes for my near term living expenses rather than the corporate bonds proposed in the article. I do this because the cash portion of my portfolio is supposed to survive the "Crash of '29". Corporate bonds would not perform as well as Treasuries under that scenario.intercst
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