Shirasho

I wouldn’t define that as being screwed, but they certainly are disadvantages. Fixed rates can work in your favor under certain scenarios like how the government is currently reducing bond rates which causes everyone else to lower their APY. Fixed rates mean you aren’t affected when the government decides to pay less.

If you are really looking to avoid devaluation of your portfolio then you can switch to purchasing valuable minerals like gold and silver (or the ETFs that track them), or you can invest in insured CDs. These won’t give you the big payout like stocks would, but they will never lose you money.

Just recently I sold off a lot of poor performing stocks and stocks of companies investing in AI and bought some gold and silver stocks as well as some CDs. I am not expecting to win with these - I just want to survive the inevitable market crash.

Obligatory warning, I am not a financial analyst and I will not be responsible for how you invest your money.