Additionally, the 10% will probably only last for a year or two, at which point it'll be earning 1-3% and we'll have all jumped through these hoops for $100-300/year.
At this point you're pretty much guaranteed a risk free 8% for 12 months. That's roughly what Buffet would say you should average in the stock market. It's a great place to park cash right now.
Maybe the stock market makes a huge come back but a lot of things are pointing against that happening in the next year. The Fed & inflation, baby boomer retirements causing stocks to get sold & less risk assets bought, that whole Europe thing going on.
