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by jdbrew 3369 days ago
Rephrased: "do you prefer 6% risk free, or investing with higher risk but potential for higher return?"

Given the choice today, I would take the first. It's such a high spread over today's US actual risk free rate (10 yr UST as proxy) that you'd have to guarantee generating the same ~3% spread over historical broad market returns (I.e. 9% or so) to justify passing up the 6%.