Mutual funds, ETF’s, bonds and DGI?

[hendi_alex]

You think that investors that bought ten year treasuries at 5% or better yield have not beaten inflation for the past 5+ years? It would seem to me that an investor should pay attention to the over all market and pay attention to the cycle and select from the best opportunity that the market is providing. The best advice that I've heard related to that, [follow the flow of the cash.] It doesn't make sense to me to write off major investment classes just because of some preconceived bias.

For me, now is not the time for bond exposure. While I don't currently hold any ETFs, they certainly can fill a role in an investor's portfolio. I hold both a mutual fund and an ETF in my daughter's portfolio.