I don't think we're actually in disagreement. The point I'm trying to make is that the risk and timescale are more important factors than the yield. You chose t

I don't think we're actually in disagreement. The point I'm trying to make is that the risk and timescale are more important factors than the yield. You chose the highest yield investment you could find with the liquidity and stability you needed. The yield was not your primary concern--it almost never is.