Good to discuss the markets with sane people! Great isn't it?
Anyway, US 10 year Bond at 1.45%. I believe the record is about 1.37% from 2014. TLT (iShares 20+ Treasury) hit an all-time record today at $139.85, up 15.4% this year.
Regarding the 4-5%, that's terrific, btw, but that then makes me wonder what the reason is for your behavior? I would shudder to think that it is not extraordinary, but normal for you.
Forget it, it's ok.
And yes I know about the bond action. IMO it is due to currency fluctuation and perceived safe-haven-seeking.
Are most of your accounts "conservative accounts"? Also how have they done over the past 5 years, and are they and have they been mostly in domestic gov't bonds?
As usual, you add to the discussion...nothing.