Bad news, 60/40 isnt a diversification strategy the last few years. 1) positive correlation in equity and fixed income 2) US treasuries/dollars have not had a “flight to safety” bump when volatility/l or bad news happens recently 3) treasuring moving to “all” short term debt, short term rate cuts resulting in long term rate increases.
This used to be the case, but bonds have been positively correlated with stocks in recent years, so they have not been an effective hedge. Additionally, it seems possible/likely that we are headed into the long-predicted COVID stagflation, where growth is slow, so interest rates are low, but inflation remains high, which makes bonds unappealing.
CDs (and I-bonds) are very different instruments than bonds. If "bad things" happen and rates go down the CD will not appreciate in value like the bond will.
I don't think so. Trump just announced $2K stimulus checks, and he could do it again. Money printing will reduce the value of the dollar. You're probably better off buying real estate or gold. Though those are priced really high now too. Maybe just invest in yourself to gain knowledge and skills that will eventually pay off...
