I've been slowly backing out of Equities and into cash instruments inside my RRSP (equiv to an IRA) some going into a Physical bullion ETF. I'm holding some Sprott physical gold fund and it's done very well.
!PIMP
I stopped adding stocks a while ago and buy the 3 month T bill ETF instead in my Retirement. Basically like holding cash and getting paid 4.9% so when or if we get a crash I can sell in seconds and turn into real cash and buy anything down ๐
It pays our dividend every month not every quarter so compounds slightly better too. Doesnโt move but between $49.80-$50.05 over five years. Just stays same but pays out the 5% average a year past two years. Liquid AF.
