I don’t believe risk-free returns exist for long in the investing world anymore with fed rates at near zero. However lower-risk and safer options than a pure TL

I don’t believe risk-free returns exist for long in the investing world anymore with fed rates at near zero. However lower-risk and safer options than a pure TLT portfolio are The Ray Dalio All Weather Portfolio, the Rick Ferri Core 4 Portfolio, the Harry Brown Permanent Portfolio, and the ETFs SWAN or SHV.