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Cash & high-yield savings
Cash is an option on patience — when high nominal rates revive interest, and when inflation still wins.
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🧱Bonds as ballast
Bonds dampen equity storms and pay a yield — duration, credit and inflation decide whether they help.
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🌍Broad equity index
Owning the market’s productive capital cheaply — the default long-horizon compounding vehicle in modern advice.
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🤝Employer match
A match is an instant return on your contribution — often the highest “rate” available without market risk.
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