Two debutants on Bath bench for Premiership final repeat versus Saints

Or consider a more conservative investment strategy focused on capital preservation, steady returns, and lower risk.

Here are a few strategies to consider:

1. Diversified Fixed-Income Portfolio:

- Government Bonds: Invest in government-issued bonds for stability.

- Corporate Bonds: Choose high-quality, investment-grade corporate bonds for slightly higher returns with manageable risk.

- Municipal Bonds: Tax-advantaged and relatively stable.

2. Dividend-Paying Stocks

- Invest in blue-chip companies with a history of paying consistent dividends (e.g., banking, consumer staples, utilities).

- Consider ETFs that focus on dividend aristocrats.

3. Money Market Accounts & Fixed Deposits

- Low risk and provide better interest than traditional savings accounts.

4. Balanced or Conservative Mutual Funds

- Funds that hold a mix of bonds and dividend stocks to balance risk.

- Look for funds with low volatility and a track record of stability.

5. Exchange-Traded Funds (ETFs) Focused on Low Volatility

- ETFs tracking defensive sectors like healthcare, utilities, and consumer staples.

- Example: S&P 500 Low Volatility ETF.

6. Real Estate Investment Trusts (REITs)

- Invest in income-generating real estate with low volatility.

- Look for REITs with strong cash flows and a history of stable dividends.

7. Gold & Precious Metals**

- Gold is a hedge against inflation and economic uncertainty.

- Consider gold ETFs or physical gold for long-term stability.

8. Inflation-Protected Securities

- Treasury Inflation-Protected Securities (TIPS) or equivalent in your region.

- These adjust with inflation, preserving purchasing

9. Annuities for Guaranteed Income

- Fixed annuities provide predictable, steady income.

- Suitable for retirement planning.

10. Defensive Stocks & Consumer Staples

- Companies in sectors like healthcare, utilities, and essential consumer goods tend to perform well in various market conditions.

What’s Stu got in his right hand?

The people who select images for articles on Rugbypass like having a good laugh.

The sums of money and value of crypto assets being separated from their rightful owners is, frankly, bewildering.

Now I have always known there are some idiots on this here platform. Finn and Turlough the leading morons. But wow the floodgates have opened.

Rugbypass must take a good long look at themselves and wonder - why are all these fools congregating here?

Is it the quality of the articles? Is it a full moon?

Oh wait. I see now. I selected the northern edition… no wonder.

What happened to Jezebel’s daughter?

Is Wayne Barnes Jezebel’s daughter?

I wish we could get closure.

On the other hand IRFU RELEASED RINGROSE FOR THE CARDIFF MATCH. They provided documentation to prove it.

The bigger issue for me is why NTK was in the 3 ban category and not the 6 ban.

The Welsh doctor gave evidence that Thomas sufferred a fractured nose. yet teh report concluded ‘no injury’ allowing NTK escape the bigger punishment.

Predictions (gave up gambling 29 years ago, long story):

France

Scotland

England

all to win. Ireland to get losing bonus point and deny France a winning one. Scotland to get winning bonus point. Wales to lose by 10. England to score 45 points and Italy maybe 3 tries, could get 4 and a point. Hope not.

Italy to get wooden spoon. I have tickets for Wales v England and expect my attendance to be a big factor in the Welsh performance that match…

Last question: how do you write this stuff? It’s extraordinarily so up my street. Bless you.

Terry