If you're of a certain age, you've probably heard a financial planner say that you should have some money in fixed income - and the closer to retirement you get, the more you're supposed to own.
Now, I'm not going to wade into the lively debate about investing in bonds. Tens of millions of investors hold them, and there are probably just as many opinions.
But it does bring us back around to the existential question of 21st century investing: How do you collect any meaningful bond yields in a zero-interest rate market?
That's particularly pressing for investors over age 50 - or, really, anyone building a retirement fund for themselves.
Now, I've always believed that the road to a happy, prosperous retirement is paved with tech - even more so in an era of low to no interest rates.
And there's an entire bond market I know whose management's taken that very idea to heart. The leadership team is bringing that notoriously low-tech investment into the 21st century, and, even now, reaping remarkable gains for their efforts.