Your Survival Guy

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This Is about Your Survival, Not Anyone Else’s

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By Roman Lipovskiy @ Adobe Stock

You don’t want to let the perfect get in the way of the good. Specifically, when it comes to your retirement life, you want to get paid to be in the markets. You don’t want to miss out, hoping to get in at the “right” time. When looking at the current interest rate environment and the risk-free rate of return on T-Bills, it’s hard to ignore what the two-year is paying—close to five percent as of yesterday.

Getting five percent on your money locked in for two years is nice, considering how far we’ve come from a zero-interest rate policy. Finally, rates have normalized where money isn’t free, even if the Fed wants to cut them. (We’ve seen this movie before. See the Free Money Truck rolled out by the Bernanke Fed in the picture below.). If they do get their way, it would be a shame to look back on today and wish you had taken some action.

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You deserve to be paid. You’re the one taking all the risk. It’s called investing for a reason. The free money is over—for now. I want you to be an inflation fighter with dividend-paying stocks and an interest hunter and gatherer. This is about your survival, not anyone else’s.

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Look at the food inflation above. Prices are significantly higher today than they were just a few short years ago. You have to be an inflation fighter to cope with higher prices like these.

Investors buying two-year Treasuries today can find yields of nearly five percent.

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E.J. Smith - Your Survival Guy

E.J. Smith is Founder of YourSurvivalGuy.com, Managing Director at Richard C. Young & Co., Ltd., a Managing Editor of Richardcyoung.com, and Editor-in-Chief of Youngresearch.com. His focus at all times is on preparing clients and readers for “Times Like These.” E.J. graduated from Babson College in Wellesley, Massachusetts, with a B.S. in finance and investments. In 1995, E.J. began his investment career at Fidelity Investments in Boston before joining Richard C. Young & Co., Ltd. in 1998. E.J. has trained at Sig Sauer Academy in Epping, NH. His first drum set was a 5-piece Slingerland with Zildjians. He grew-up worshiping Neil Peart (RIP) of the band Rush, and loves the song Tom Sawyer—the name of his family’s boat, a Grady-White Canyon 306. He grew up in Mattapoisett, MA, an idyllic small town on the water near Cape Cod. He spends time in Newport, RI and Bartlett, NH—both as far away from Wall Street as one could mentally get. The Newport office is on a quiet, tree lined street not far from the harbor and the log cabin in Bartlett, NH, the “Live Free or Die” state, sits on the edge of the White Mountain National Forest. He enjoys spending time in Key West (RIP JB) and Paris. Please get in touch with E.J. at ejsmith@yoursurvivalguy.com To sign up for my free monthly Survive & Thrive letter, click here.

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