If you are thinking about fixed income

The risk reward is getting better at 5%, says Fidelity Timmer.

Best to own the bonds themselves and hold to maturity. Avoid bond funds while rates are rising.

Yes, profits to be made when interest rates peak and begin to fall. But predicting when rates will peak is not easy. Yes, Mr Trump wants lower rates but not likely while inflation is high. End of war, lower oil prices will help, but is that likely this year? Rents, mortgages, grocery prices coming down seems unlikely. Strikes for higher wages more likely.