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I see where you are coming from. I didn't know about the bond situation. Is that US specific?

The idea is to go for whatever that is currently accepted as low risk. For example, if bonds are considered risky, maybe high interest saving accounts are the next best option. And you can adjust your retirement goals accordingly.




No, low interest rates are a global phenomenon. It has to be, because otherwise massive arbitrage opportunities would exist.

interest saving accounts produce negative real returns, you cannot put enough money into one to generate the passive income you need to retire.

The whole retire early idea is predicated on substantial investment returns and the ability to outpace inflation. Savings accounts won't cut it.




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