invest it very conservatively, in inflation-indexed savings bonds,
Hey, get a 0% return.
money market mutual funds
Oooo, skyrocket up to 0.1% if you're lucky.
In 5 years a 100 billion might buy you a loaf of bread.
You nailed this proposal:
invest it very conservatively, in inflation-indexed savings bonds, - Hey, get a 0% return.
money market mutual funds - Oooo, skyrocket up to 0.1% if you’re lucky.
We have TIPS in our IRAs as hedges to when the 0b0z0 inflation takes off. There have been Zero/no/nada dividends for a long time.
My wife still has a small sum in Government Money Markets in her John Hancock 401k from her employer, (Since she is over 65, she rolled over 98% of that 401k to her IRA last year). Its return in the last quarter was a minus after the funds management costs were deducted. She keeps contributing to her 401k not for these negative returns, but as a tax shelter re her contributions and the 50% matching contributions from her employer.