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Why? Just buy VTI + VXUS
Mentor
The stock market has been a golden goose since Covid. Why would you buy bonds longer than a life sentence?
Coach
If you’re in a high income bracket in California, VTEC may be better.
No. They're yielding, what, like 5% right now? Unadjusted for inflation.
I keep my cash in a HYSA (and a CD ladder with the same institution) and I invest the rest in ETFs like VTI. Historically, I don't think there has ever been a 30 year period in which bonds have outperformed the U.S. stock market.
Mentor
No one says bonds out perform the market. That’s not even a real question. OP is likely asking about risk adjusted returns. If not, I dunno then lol