American Association of Individual Investors

American Association of Individual Investors

Rethinking Safe Investments in 2026

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AAII
Jun 30, 2026
∙ Paid

A member posted a question in the AAII Allocation Strategies Community recently about boosting “safe money” returns and was met with many different answers. This led me to wonder:

For generations, safety in investing meant stability of principal. Certificates of deposit (CDs), Treasury bills and investment-grade bonds were the go-to safe havens. But decades of low interest rates and persistent inflation have rewritten the rules.

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