5% is enough for me to put new savings and dividends earned into bonds (13 week and 26 week tbills) instead of stocks. 401k and current brokerage account is still mostly stock and are long term investments which should grow faster than 5 percent so not going to sell.
Most of the cash in the brokerage account is now swvxx. Also moved most of my bank savings account to 13 week tbill ladder so that is just free money. So just taking advantage of the high rates for now. And when rates go down perhaps in a couple of years, it should be good for stocks again.
