Since August 1st of 2020, investment-grade bonds are down 24%.

Even worse, long-term treasury bonds are down almost 50%.

And if those losses aren't enough to cause frustration, the U.S. stock market is up 30% during the same three-year time period.

What the is happening to bonds right now?

Why are safe asset classes down double digits while

risky asset classes scream upward? Should retirement investors make changes to their bond

portfolio? Are money markets and CDs a better solution than bond funds? And what might all

this mean for the future of the bond market. Welcome to Stay Wealthy podcast.

I'm your host, Taylor Schulte, and today I'm kicking off a two-part series to help

answer these questions.

I'm also sharing an actionable tip for improving your asset allocation if you're

struggling to determine what to do with your bonds in this current environment.

For all the links and resources mentioned today,

just head over to you staywealthy.com forward slash 203. In the fall of 2020, I published a four-part

podcast series breaking down this asset class. I covered the pros and cons of individual bonds

versus bond funds, the primary drivers

of bond returns, why holding bonds to maturity isn't always prudent and how to invest in bonds.

If you want to revisit that series, I'll link to it in today's show notes. But I'm also going to

share some of the research from that series here today to help support some of the big questions

that retirement investors are asking right now about bonds.

So if you don't feel like going back into the archives, don't worry, this short two-part

series will bring some of the highlights back to the surface.

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