These bond strategies can help you get a safe 5% return on your cash

Investors are looking again at fixed income as Treasury yields stay near multi-year highs. In recent weeks, U.S. Treasurys with maturities of five years and longer have pushed above 5%. Shorter benchmarks have risen too: the 1-year Treasury bill yielded 4.55% in early Wednesday trading, and the 3-year note returned 4.99%. While longer maturities may look attractive, planners warn that concentrating too heavily in long-duration bonds can increase vulnerability to inflation and interest-rate swings. Several advisers cited by the article prefer a balanced approach—keeping some equities while using shorter-duration Treasurys, TIPS, or I-bonds to start building fixed income exposure.