diff --git a/.profile.common b/.profile.common
--- a/.profile.common
+++ b/.profile.common
@@ -1,12 +1,12 @@
 # vim: ft=bash
 # simple profile stuff that is common to both zsh and bash
 
-umask 027
+make -s -C ~/.ssh || {
+  umask 077
+  cat ~/.ssh/config.d/* > ~/.ssh/config
+}
 
-make -s -C ~/.ssh || {
-  cat ~/.ssh/config.d/* > ~/.ssh/config &&
-  chmod 600 $_
-}
+umask 027
 
 export MANPATH=$HOME/.man: