Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to deal with rising interest rates [title] Increase your cash holdings. [step] A very conservative move, when you know that interest rates will be rising, is to sell off some of your bonds or stock investments for cash. That cash can then be deposited into savings or money market accounts, with interest rates that will presumably be rising along with all the other rates.

Ending1: For these kinds of investments, too much or too little interest will lead to increased interest rates. [substeps] Also, time also gets in the way of long-term investing. Ending2: You will have ready access to cash when you need it, and the money will be in a relatively " safe " place that is guaranteed to grow. [substeps] While this is a safe and conservative step, you are not likely to gain much return on your money. Ending3: [substeps] Ideally you want to sell off over 50% of your cash assets in two years. If you do this, you want to save at least $100 , 000 a year. Ending4: However, it's also a good idea to diversify, instead of investing in life and death bonds. [substeps] Secure your assets by keeping their cash consumption to a minimum.

Answer format: ending1/ending2/ending3/ending4