Introducing a Productivity Accelerator for Your Business

This is meant to be a temporary change to guard against sequence of return risks. Our longer term plan, as our portfolio grows and our dependence on our yield shield decreases, is to exit these sitions and pivot back towards a normal bond e t f for this part of our portfolio. And yes, this does make your portfolio more volatile, but if it increases your yield, and you use that yield in conjunction with your cash on to not have to withdraw during market down turns,. That's a good trade off during the first few years of early retirement.