New rate for fix income is 3.25%. Doesn't seem like it will ever get any better.
As long as the FED keeps rates approaching zero% for the banks, you're right, Biker; 3.25% is pretty darn good. Can you hold out for another year?
I will keep my investment plan for the rest of my life. I have made mine. Don't mine jumping in for a day or two but putting my money at risk is not an option.