I'm not going read your trivial wiki references.
Well, you've demonstrated you have no understanding of or interest in learning basic investment concepts so I'm not surprised.
The point is already made in actual performance figures.
Yes - as I stated, look at any major financial indices and you will see that there are many 5 year periods where diversified stock returns are negative. That is the point that you seem unwilling or incapable of conceding after claiming earlier that a diversified or "properly managed" stock portfolio would provide the "ultra low risk" investment that Poe claimed existed. Now you've switched to CD claims.
I'm referencing a NCUA backed US federal credit union. Qualifying balances are $500k to earn some of the offers I see, so you will not likely see them.
I looked into the one 3.2% 5 yr CD listed on the screenshot you provided. It is a 3 week old quote (rates have since fallen), from a very sketchy credit union, with
very poor ratings, not FDIC insured and is only available by paying to be a member which is available to only
a very limited group of people. Even if it was available, it does not qualify as "ultra low risk"
BTW This not an academic exercise for me. I have a very large amount of money sitting in short term T-Bills and I would love to find a "ultra low risk" place where I can earn 3.7% over 5 years. I will contact them and investigate. And, if I find it I could likely make a nice commission getting many other's to put there money there as well.
I am not talking about risk assessment anyway.
Clearly, since you don't seem to understand what it means. But
that is the whole point underlying the claim that there exists the "ultra low risk" investment yielding 3.7% that Poe claimed and you supported.
I'm talking about standard returns on the typical kinds of investments being discussed.
What "typical kinds of investments?" Index funds? CDs? You've failed to provide any concrete evidence that there is a currently available "Ultra low risk" investment that yields what Poe says.
The truth is it doesn't exist. Hint: 5 year treasuries are currently yielding less than 2.8% and the best you will find in a CD from a reputable FDIC insured bank is 2.85% or so. That is how it must be - if the spread between treasuries and CDs was greater than it would represent an arbitrage opportunity that other banks would take advantage of and the spread would narrow again.
The "ultra low risk" investment with a ROE well above T Bills that you are claiming to exist is the financial equivalent of a "Free Energy Device" and to anyone who understands the underlying investment and risk principles, you appear like the typical physics naive and gullible free energy groupie.