RE:E xpierencedNobleHouse...
I will give another thing to think about in terms of investments....preferred shares with a fixed rate coupon..
Based on my risk appetitie and past experience as a financial advisor, I invested about a third of my current asset allocation to preferred shares a few months ago. I still consider them to be a great risk adjusted investment (and still a buy). As you probably know, as interest go down the, SP of the preferreds go up and the dividend payout is quite secure as preferred share holders will get payout before common shareholders if the company went bankrupt. The ones that I bought are up 9% and if interest rates fall (as expected) over the next year, I expect an annual total return of 20-25% for a very low risk investment as the companies is a big cap and not anywhere close to being in financial trouble.