Yikes! I am 70/30 stocks, since bonds are hovering around 0%.
I have recouped all my losses from last year and am starting to gain again.
Look at history. Whenever the S&P 500 fails to reach reasonable valuations during a bear market downturn, the subsequent rally is short-lived and followed by a plunge to a level where valuations are reasonable. I’m not looking for a good return in bonds, I’m protecting principal for what I expect will be a dive to the basement in stocks. I’d buy gold, but it too is currently overvalued.
The DJIA is going down to about 3800 next year.
We did three segments of EE, and in one good year bought a bucketful of I Bonds. The long term return (so far) has been friggin' phenomenal. Tripling my money over two and a half decades works for me; the tax advantage is a bonus.
I wouldn't suggest such a side-strategy to most of the FReeper economics crowd, however, because most that hit these threads are the "ammo and gold" crowd.