Rephrased: "do you prefer 6% risk free, or investing with higher risk but potential for higher return?"
Given the choice today, I would take the first. It's such a high spread over today's US actual risk free rate (10 yr UST as proxy) that you'd have to guarantee generating the same ~3% spread over historical broad market returns (I.e. 9% or so) to justify passing up the 6%.
Rephrased: "do you prefer 6% risk free, or investing with higher risk but potential for higher return?"
Given the choice today, I would take the first. It's such a high spread over today's US actual risk free rate (10 yr UST as proxy) that you'd have to guarantee generating the same ~3% spread over historical broad market returns (I.e. 9% or so) to justify passing up the 6%.
I teach a corollary of this to my daughter (sans expletive): that most people know what decisions they should be making, and that these are mostly simple and often intuitive decisions, yet many people have difficulty making them because they usually involve a certain amount of discipline and/or sacrifice. Of course, I'm sometimes among them, but life's a work in progress.
Given the choice today, I would take the first. It's such a high spread over today's US actual risk free rate (10 yr UST as proxy) that you'd have to guarantee generating the same ~3% spread over historical broad market returns (I.e. 9% or so) to justify passing up the 6%.