return than a high quality bond fund, although unlike bonds they have insurance wrappers to protect flauk changes in value. but if the return for nothing but bonds is too major leaguer to build true wealth in your retirement accounts, the smaller term from stable value funds is even worse, the definition of trying to be so prudent you become actually irresponsible. the goal of the show, my mission statement, is to help you use your money to make even more money, even as i though that requires work and you can't be on autopilot as so many of you are. when you either in your 401(k) or ira or in your discretionary investing account put money into things like treasury bonds or stable value funds, you're effectively taking that money off the table. you're saying this money, i'm not going to use it to generate wealth, i want to keep it safe. but you can't have it both ways. you either cling to safety and when it's time to retire you don't have enough cash or you take risks in stocks when you're younger and go for the higher returns that will enable you to retire healthier and happier. while mon