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It's widely accepted that bonds are simply a safer investment than stocks. When a company borrows money via debt issue (i.e. a bond), they are legally obligated to pay interest on that bond until maturity or face a default, which in most cases is a declaration of insolvency. The stock markets carry no such gurantee of return of principle along with a steady interest stream. We put your capital entirely into the bond market, far safer than the ratios suggested by most advisors.