Round trip for 1-year T-bills. And it only took 23 years!

5.45% to sit on the sidelines and wait to see what happens in this crazy market? Not bad at all.

See my explanation of this chart at the bottom of the chart graphic. This is what my editors at the media sites I contribute to refer to as a “charticle.” An article contained in a single chart. We’ll be sending commentary in this format regularly, so we encourage your feedback on this method of communication.

In this chart, you can see that the rate one can earn for lending their money to the US Government for 12 months is now at 5.45%. Not too long ago, it was zero. That’s a game changer in many ways, including in how I allocate in my model portfolios, the ones we offer as part of the ETFYourself.com service.

Sometimes, investing isn’t so complicated. 5.45%. Didn’t know if I’d ever see that again in my lifetime. But there it is.