> I mean I don't really want to be doing that but right now, putting money in savings and keeping it is basically costing me 2-3% of its value a year due to inf

> I mean I don't really want to be doing that but right now, putting money in savings and keeping it is basically costing me 2-3% of its value a year due to inflation. I am not a financial planner, but investing in riskier bonds because safe ones pay little interest has burned many investors over the years. If you do that you need to be ready to move quickly (quicker than many pro houses with billions invested in tech) if those riskier companies start going belly up. Personally, in this climate I keep short term cash in checking and use TIPS or similar if I wanted bonds. Whatever is invested I view as potentially untouchable for 10+ years. Just my 2c.