🧱
Bonds as ballast
VS
🏦
Cash & high-yield savings
Profile
Score by score
60
Time sensitivity
40
82
Rate sensitivity
70
35
Contribution leverage
55
40
Behaviour risk
25
50
Tax & fee drag
30
75
Horizon fit
45
Verdict
Bonds as ballast leads 5 of 6 scores.
Bonds as ballast → Cash & high-yield savings → All match-ups