LDI, a 57-cent stock, is not expected to go bankrupt for at least a year. With returns likely past their peak, a reverse split is likely, but before it he expects LDI to return to between two and three dollars very quickly if returns keep falling; it is more rate-sensitive than TLT, and there are no guarantees.

You can buy a stock that is highly dependent on bankruptcy risk here. LDI. But this is a 57-cent stock, and I don't think it will go bankrupt for at least a year. I think they have a year in the market.

I have some investments in it, so I don't want to be cautious.

But, this is interesting, because I think they will be able to stay for at least a year, and I think we have just reached peak returns, which means that this $57 stock is likely to do a reverse split.

But before the reverse split, I think they will likely return to a share price of between two and three dollars very quickly if the returns continue to fall like this.

There are no guarantees, and this is not personal financial advice, but this investment is more sensitive to interest rates than an investment like TLT.