3 ms·

but they do help you sleep at night. the market can drop 5% in a day and not many people can stomach that emotionally.

• breischl 10y ago
  One should certainly tailor their investments to their own risk tolerance. But there are better investments even with very low risk levels. Money market, CDs, gov't bonds, and high-grade corporate bonds are all options that give better returns than savings accounts with minimal risk (well, before some gov't bonds were negative rate, anyway).