What happens to investments when rates and inflation rise?
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How does this "all-weather" setup actually hold up if inflation and rates stay high, dragging down both stocks and bonds? Between fees, taxes, and rebalancing, does it really beat a simple index mix?
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When rates and inflation jump, both stocks and bonds often struggle — just look at 2022's massive drop. While complex "all-weather" strategies add commodities to hedge against inflation, the extra fees and taxes usually eat into your gains. For most people, sticking to simple, low-cost index funds like VTI and BND consistently wins out over time.