https://www.mywealthtrace.com - It used to be so simple for those approaching retirement. Start trimming the portion of your retirement portfolio dedicated to equities and move into laddered, safe fixed-income. Just 10 years ago you could get a 6% yield on a 10 year U.S. Treasury bond. Now you don’t even get 2%. With yields rising around the world on government debt, the risk/reward tradeoff for long-term fixed income is weighted way too heavily on the risk side these days.