> If I had just left funds in Vanguard I would be down. My vanguard lazy portfolio is at +2.2% over the last year, and +5% since ~2016. Cash is bringing in 4%

> If I had just left funds in Vanguard I would be down. My vanguard lazy portfolio is at +2.2% over the last year, and +5% since ~2016. Cash is bringing in 4% or better for decent savings accounts, and a CD ladder would be better still. I’m not claiming this will continue to be true, but chasing AI to get 1% sounds like something to reevaluate.