Do you have $100,000 set aside to build a bond ladder? If a person can beat equity markets taking smaller risk, do that. When ever we get to peak 10 year note yields and peak 30 bond yields, you want to own as many bonds as possible. One day Russia and Ukraine will cease fighting. One day cashiers demanding $15 per hour will no longer be a shock to U.S. economy. One day U.S. and other nations besides Taiwan will produce semiconductors. You're over age sixty, correct? Shorting, spreads & straddles are a young mans hustle.