[quote=The-Shoveler]We are almost 100% short duration treasuries paying over 4% (some as high as 4.8%) in our IRA’s.

Almost no stocks in any account.

At some point will look to move to long term treasuries.

Sleep much better.[/quote]

Good move. My net worth is roughly split 25/25/50 pretax investment, IRA+401k, and real estate.

My pretax accounts have less than 25% stock. The rest is in money market and short term CDs. My retirement accounts have more stock index funds and also dividend paying companies in energy and consumer Staples. I have less than 10% exposure in individual tech stocks right now, though I’m slowly buying some of the big name techs that have been beaten down quite a bit in really small amounts….

If things hold up, my 2022 return hopefully will be around 1%. It sucks but better than the negative return the stock markets did this year… In the previous good years of the stock market, I didn’t get the the huge returns others did… In the bad years like this year, I’m not losing the amount the markets are this year. So, I think I’m somewhere in between , being that part of me is risk adverse.

I’m keeping my eyes on longer term treasuries and CDs.