💡 Access Morningstar’s best stock, ETF and fund picks; analyst ratings and commentary on over 1,600 companies; plus data on over 48,000 global securities; inside Morningstar Investor. Get a FREE 4-week trial^ here (no credit card needed) → go.morningstar.com/au-investor? ^T&Cs apply
Other than some STIP TIPS bonds, should be CDs. 0.7% vs negative 2% for short term bonds. Dividend stocks still plummet with stocks. Ok, maybe losing 25% of value instead of 50%. So, I think 8 years of income (less pensions and social security checks and cutting unnecessary expenses) in CDs would be good.