I didn't interpret your comment that way.
Speaking from experience, sometimes doing nothing is the best option but it may be difficuilt not to tinker.
I believe Jack Bogle said: ""

The SP500 keeps on making higher highs, as the effects of QE4 are still being felt in the banking system, and in the stock market. But there is a troubling divergence among some of the most liquidity sensitive investment vehicles, the high yield corporate bonds. Their A-D Line was leading the way higher ever since the December 2018 bottom, but not any more.
It is a “condition”, not a “signal”. The wise traders will accept this warning, and use it to help them look for the final moment when the uptrend in prices is at its end. And those same wise traders will also remember that divergences can sometimes rehabilitate themselves.

I've heard of the Fidelity "dead investor" study but it appears this study never actually occurred.

• Based on preliminary estimates from fund families large and small, growth funds once again will make significant distributions, but this year resurgent value strategies will make some big distributions, too.
  
• A confluence of another year of robust performance and the ongoing trend of investors swapping out of traditional active vehicles and into exchange-traded funds and other, mostly passive, vehicles have led many managers to realize gains to rebalance their portfolios and meet redemptions.
  
• Many prominent T. Rowe Price funds will make meaningful distributions, and some are closed to new investors, which can cause managers to realize gains to meet shareholder redemptions instead of satisfying them with cash inflows.
  
• Several Fidelity funds are expected to pay a distribution of more than 5% NAV; the large, widely followed, and Silver-rated Fidelity Contrafund expects to payout 8% of NAV on December 13.
  
• A few passive funds at Columbia Threadneedle, which are supposed to be more tax-efficient, estimate they will distribute gains of almost 10% NAV in December.

Vanguard ...
Oh and another thing. They sense of "rounding" is illogical regarding how many shares they give you for whatever price even when you are investing nice whole $ amounts e.g. $1000.

The transfer to our Trust account transpired, but we received the following email
"Your purchase exceeds the annual savings bond purchase limitation. Please be advised the limit is $10,000 per series and TIN per calendar year. Repeated violations mayresult in an action by this office; for example, a refund of account holdings and/or account closure may occur.

Effective January 4, 2012, the annual (calendar year) purchase limit applying to electronic Series EE and Series I savings bonds is $10,000 for each series. The limit is applied per Social Security Number (SSN) or Taxpayer Identification Number (TIN). For paper Series I Savings Bonds purchased through IRS tax refunds, the purchase limit is $5,000 per SSN.

A revocable living trust does not normally need its own TIN (Tax Identification Number) while the grantor is still alive.
During the grantor's life, the trust is revocable and taxes are paid by the grantor as an individual, using the grantor's SSN (Social Security Number). In other words, when an institution requests an SSN or EIN (Employer Identification Number) for trust property, the grantor just uses his or her own SSN. When the grantor dies, the living trust becomes irrevocable and the successor trustee will get an EIN from the IRS to pay the trust's taxes.
For shared property in shared living trusts, the grantors can use either person's SSN. When choosing which SSN to use, keep in mind that income on trust property will be reported through the SSN you select. This won't matter to couples who file taxes jointly, but it could make a difference to couples who file taxes with separate returns. For individually owned property in a shared living trust, use the owner's SSN.

I have tried a number of different managed futures funds over the years, and find that AHLPX has the best track record. BLNDX has beaten it with about the same risk, but I assume that is because BLNDX can use equities.
M* says BLNDX started in 1/2020 and lost 8% during Covid, beating other hedged equity funds like JHQAX and GATEX, as you might suspect. AHLPX made money that month, however.
Another MFO hedging favorite CTFAX also lost 9%
Lots of different ways to hedge the downside, but it is hard to predict in advance which one will be most effective.

IMHO, this is the best "cash" option available today if your holding period is at least one year.
However, you can only purchase $10K of I-Bonds per year (additional $5K possible using tax refund).

The $10k limit is per individual/account. Spouses can buy an additional $10k. If you have a business (LLC, partnership, self-employment), you can set up an entity account that can purchase another $10K.