One way to mitigate those risks while
still earning a decent return is through CD laddering.
This way, if one industry earns very little one year and the other earns a great yield, then you'll
still earn a decent return.
You're not able to exploit reward points for maximum value but you can
still earn a decent return around 2 % and won't have to hassle with confusing and complex reward systems.
Not exact matches
You
still have time in your 40s and 50s to invest a lot of money and
earn a
decent return before you reach retirement and begin living on your passive income.
Depends on your perspective really: The Japanese are
still rich (but maybe not getting richer), and the average worker's salary may have fallen, but deflation has allowed them to basically maintain their living standards & also
earn a
decent return on their savings.
The Barclaycard Arrival World MasterCard is strictly superior for manufactured spend, since it
earns a flat 2.22 % cash back on all purchases after the 10 % redemption rebate, while the Travelocity American Express
earns 6 % only on Travelocity reservations, and 2 % on all other purchases (which is
still a
decent return for a no - annual - fee card).