Change the mix! More “cash” — and you should earn about 4% on that cash — see below.
It’s a good idea to automatically rebalance. That takes the emotion out of investing. But for the first time in a long time, both stocks AND bonds have been losers this year. That’s because when interest rates rise, bond prices fall. In fact, bond prices in general fell MORE than stock prices so far this year!!
You should have enough money in “cash” to sleep well — as much as 30% of your savings these days. You can purchase Treasury bills if your IRA is at Fidelity, Vanguard or Schwab, through their brokerage option. Currently, you’ll earn more than 4% for 6 months!
Read this: https://www.terrysavage.com/t-bills-beat-cds/