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Craig Slayen is a principal at Cypress Partners., a financial planning and investment management firm in the San Francisco Bay Area.
The firm believes that the key determinant to long term financial success is based around three concepts: sound planning, prudent investing, and an awareness of the behavioral traps that can kill portfolio returns.
Craig is the author of Successful Investing for Female CEO's, published by Charles Pinot. He is a graduate of UC Berkeley.
Don't worry about whether interest rates will rise; focus on your investing goals and what bonds do for your portfolio.
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Even if it's not matching the S&P 500's recent heady returns, a well-diversified portfolio is still your best bet in the long run.
For now, the fiduciary rule is set to only govern your retirement investments, but it should ultimately improve standards for all investing advice.