Investors view this as a built-in hedge. Salahi equally noted that chasing get-rich-quick schemes or putting a large portion of your portfolio into speculative investments shows a focus on short-term gains over sustainable growth. “Wealthy individuals typically favor diversified, lower-risk strategies that compound steadily over time.” The Schwab 1-5 Year Corporate Bond ETF seeks to track the total return of an index measuring the performance of the short-term U.S. corporate bond market. The fund holds corporate bonds with remaining maturities between one and five years. Institutional asset managers note that investing in I Bonds can serve as a “cash-plus” component, delivering a safe yield above money market rates while guarding against unexpected CPI spikes.