[Christine]

CDs and MM are all paying about 4% right now
Just park it there on a short term until you decide what you want do
But the fastest way to build growth will always be investing in solid index funds and ETFs and funding it regularly

[Mark]

Yes. But getting a cd at 4% apy doesn’t mean anything when inflation is 3.5%

[Lindsey]

The 4% rule was already based on the worst market conditions, so it’s already in the formula. For better market conditions, its closer to 6%.

Market returns are around 10% less 3% inflation (7% real return), so the 4% rule already has signficant buffer to account for this (approx 3% buffer for poor market returns).

[Angelo]

If you are getting 4% return and inflation is 2% then your real return is only 2%. You probably want to aim a bit higher than 4%

[Tolga]

30 year treasury yields is at 4.4%. Not perpetual but long enough.

[Dan]

So, traditional stuff…annuities. I use private (hard money) lending but it isn’t “set it and forget it”. I generate a consistent 12%+, but we stay on top of it.

I have maybe 16 private loans in my portfolio that generate a pretty good passive income.

They aren’t nearly as much work as a rental property, but you do need to be sure to stay on top of opportunities to always keep your money working for you.

The principal doesn’t grow, but they are collateralized and have a high monthly income.

[Author]

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