RE: What are your HBD plans after the bull run?

10% is likely in the next bear market, but that's probably like in two years time, so earning 15% for 24 months or something like that is not so bad, as well as continuing with 10%.
I do agree that precious metals holds quite the value, and in a place where fiat begins to lose their value, however earning spendable yield is the goal for someone who is looking to put their retirement money to earn yield