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Walk into any brokerage office today, and you'll hear the same tired advice echoed from cubicle to cubicle: "Buy more when the stock goes down—you're getting it at a discount!" This conventional wisdom of "averaging down" has become so entrenched in investment culture that questioning it feels almost heretical.

Series I savings bonds can be held up to 30 years. They also don't cause a taxable event until you sell them. Let's see how they can fit into our retirement plans.