A good financial instrament? That’s a very subjective term relative to the risk you want to take on.
A risk free rate of retun might be somthing tied to treasuries in which case 2 to 3% might be an acceptable rate of return.
If you are looking at a brader market and are willing to take on risk we would need to consider performance rrelative to the market index. A loss of 3 or 4% might be pretty good on the S and P 500 if you compare it to the index which is probably down 7 or 8% ytd.
A gain of 5 or 6 % might be poor if you are in the equities market if you compare that to Gold or Oil whicha re up better than 10%.
So to address your question as to “good to get on a financial instrument at this time” it would seem to depend on what type of risk you are willling to take.
The same might be true of real estate. If you and a hypothetical buyer are both going to buy comparable homes on the same block and you pay 1 million adn he pays 1.3 millon then you probably got a good deal relative to the property at this point in time.
Lot of moving targets so without getting into your personsonal info I would ask that you provide addioal detail so that we ahve a little more to respond too.
