> least historically it's been reliable to get a fixed income "Fixed Income" is more about structurally reliable and consistent returns, rather than historical

> least historically it's been reliable to get a fixed income "Fixed Income" is more about structurally reliable and consistent returns, rather than historical average returns. An outlier bad year can easily wipe a huge percentage of capital invested in stock--but the younger you are, and the more buffer you have, the less likely this is to be a problem. But don't mistake that for fixed income! Fixed income usually refers to interest rate products, and as mentioned above in this thread, the inflation-adjusted rates have been pretty bad. Pretty much since the start of Quantitative Easing, I believe.