FAAA
Fidelity AAA CLO ETF
stock NASDAQ ETF

I'm retired and keep 10% in "stable" assets. SGOV, STIP, PAAA, FAAA. Money market pays a little less.

The problem is that you're investing in MM. BINC, VCIT, USHY, FAAA, PAAA are some suggestions. But also you need equities like SCHD, DGRO, LVHI, VYMI which will pay dividends and have growth. Then, you simply sell a small piece of the growth funds to rebalance. You only need/want about 5% in short-term gov bonds like SGOV or STIP. No reason at all for MM except for temp sweep.
You should be able to get about a 3% dividend yield average with this portfolio, so only maybe 1% growth sale per year, well below the long-term growth average including inflation.
57 and retired since 2005. I've been selling growth capital for living expenses for 21 years. And my portfolio balance is up 4x since 2005, even including selling a small amout of the growth each year.

I'm retired and keep 10% in "stable" assets. SGOV, STIP, PAAA, FAAA. Money market pays a little less.

The problem is that you're investing in MM. BINC, VCIT, USHY, FAAA, PAAA are some suggestions. But also you need equities like SCHD, DGRO, LVHI, VYMI which will pay dividends and have growth. Then, you simply sell a small piece of the growth funds to rebalance. You only need/want about 5% in short-term gov bonds like SGOV or STIP. No reason at all for MM except for temp sweep.
You should be able to get about a 3% dividend yield average with this portfolio, so only maybe 1% growth sale per year, well below the long-term growth average including inflation.
57 and retired since 2005. I've been selling growth capital for living expenses for 21 years. And my portfolio balance is up 4x since 2005, even including selling a small amout of the growth each year.