(Poll) Are you better off now than 4 years ago? pre-Covid

[Johonny]

11. A lot of retirement stock are tied to the bond market

And interest rates. The rapid drop to 0, a great cause of our inflation, was good for the bond market. However, the rapid rise in interest rates that was sure to follow, has been hard. Thus, a lot of bond related funds and Reits are way down the last 4 years. This is why diversity in your investing is so important. But as you reach retirement a lot of people move into "safer" interest bearing funds whose Achilles heel is rapid movement in rates.