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FLOT looks like a cash substitute with a floating yield, but nearly half its portfolio hides a concentration risk that most investors scanning the headline number never think to check.

Five hundred thousand dollars just landed in your account, and the decision you make in the next few days will shape your returns for the next two decades. The math and your nervous system are about to tell you completely different things.

Most financial plans assume the person who built them will always be around to run them. Three ETFs exist specifically for the moment that assumption stops being true.

The fund marketed as your portfolio's safety net turned a bad year into a loss most retirees still haven't recovered from, and the reason it failed points directly toward three replacements built to hold up when rates move against you.