You should consider peer to peer lending. After almost 4 years, I'm still making 7% from it. Perhaps add it as another basket. I have two different accounts, one on lendingclub and another on prosper to further diversify.
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I started to look into it and didn't follow through...this may be incentive I need...its been around that long? ..thanks.
Yeah, LC has been around for around 5 years I think? It's easy money. Basically, as the banks know, most people pay their debts. Therefore, the few that do not are balanced out by the majority who do. You almost always make money over all unless the entire system collapses. Then I won't be worrying about my LC account. I'll be worrying about my next meal. :)
Lol...