<prompt> Human: Im trying to get some fresh perspectives to help me make a decision.I have about 1.6M in tax free muni bonds, paying 5-6 interest. I purchased those two years ago, theres a nice unrealized profit of 50k-60k but Im interested in monthly income, not a capital gain of any kind.Now, theres 300,000 sitting in cash earning a whopping 45 bucks per year. On one hand, I would like to invest the 300K into the same muni bonds and earn an extra 1,300 per month or 16,000 per year. On the other hand, the 30 yr treasury will rise over the next 10-20-30 years which means the NAV principal amount is at risk of going down. In the bigger scheme, maybe it doesnt matter if I plan on holding it for 10, 20, 30 years because ive learned that safe muni bonds arent really like stocks and they do normalize even when theres a dramatic dip. Also even if the principal goes down, the monthly income stays the same. Obviously if the NAV went down and stayed down, the income would offset the unrealized principal loss.Anyway. I cant decide to pull the trigger because a buddy keeps telling me that interest rates WILL go up over the next several months or years and I should sit on the cash and wait until the NAV goes down significantly so I dont watch my principal go down. Another buddy tells me Ill be waiting 6 months, a year, two years, maybe three, maybe five, and I will have lost the opportunity of 16,000 per year in that time.What do you think?  <response>: man.. with that kind of money you should be talking to an actual financial adviser with fiduciary obligation. 