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@flipflip You might be right. At least rates have room to move downward, unlike two years ago.

@dexter234 I’m a long term WS client. Like 10 years. My risk level was low and just like you, returns are depressing in the last 3 years or so. Great returns before that though. It’s because of bonds. Yields go up and prices go down. This will change quickly when yields stabilize or go...