Originally Posted by
notEnuf
Wouldn't a guaranteed 5% return on a small portion of your retirement savings free you up to be more aggressive in the rest of your portfolio? And ensure tax savings.
How many years do you have until retirement? I get it if you have 5 or less you might want to start being more conservative and defer some taxes as well if you think you're going to be in a lower tax bracket in 5 years. You should be able to have the OPTION to do that, but you can't force everyone else to do it too.