Commenter argues retirees should favor bonds over cash because bonds currently yield 4-5% and have historically outperformed stocks in certain periods.
BND — LONG The author argues that retirees needing ten years of conservative assets should hold bonds rather than cash, since treasuries or municipal bonds currently yield 4-5 percent. They cite 2000-2015 when the total bond market index returned 5.44% versus 4% for the S&P 500. No specific risk is mentioned.
In retirement, why would a retiree who is pulling from their portfolio, and wants ten years of expenses in conservative assets, sit on cash as opposed to treasuries or municipal bonds paying 4 to 5 percent in this current environment? There is no reason for them not to.
This Reddit post, published January 06, 2026, features u/ultra__star discussing BND. 1 trade idea extracted by AI with direction and confidence scoring.
Speakers: u/ultra__star · Tickers: BND