Is Now the Time to Invest More in Bonds?

Before we get started, please note that when we use the terms ‘safe,’ ‘safety,’ or ‘safe money’ in today’s discussion, we’re referring generally to strategies designed to help manage risk, not to any product or investment that is guaranteed or free from loss or any other risks. All investments involve risk, including possible loss of principal. While some products may offer a level of protection against market losses, they may involve numerous other risks, such as interest rate risk, liquidity risk, inflation risk, credit risk, and more. Listeners should consider their own financial situation and consult a qualified professional before making any financial decisions.

Bonds used to be the ‘boring’ part of a portfolio; considered conservative, steady, and not very exciting. But with yields at multi-decade highs, a lot of people are asking: is now the time to give bonds a bigger role in your investment strategy? David breaks down whether now may be a good time to add more bonds to your portfolio and how today’s higher yields impact both risk and opportunity. Bonds can provide income, balance, and confidence but they’re not one-size-fits-all. Before you ‘go all in,’ make sure the mix fits your long-term plan.

Here’s some of what we discuss in this episode:

💡 Bond Basics: understanding risk, liquidity, and yield (the “SLY” principle)

💥 Interest Rate Risk: why longer bonds can lose value as rates rise

📉 Short vs. Long Bonds: when short-term holdings might make more sense

⚖️ The Rule of 100: a timeless framework for balancing growth and protection

🔁 The 60/40 Portfolio Revisited: how higher yields change the conversation