My suggestion would be to hold a total bond fund in IRAs/401K's, with a high quality, low cost active bond fund in the 401K if a total bond fund is not available there.Hi Northern - i dont have the best bond locations just yet - the bonds funds are mostly 401K and some in a taxable. The tbills are in taxable. We enjoy avoiding the ~4% state tax with the tbills though. My worry is if tbill rates go down to inflation, i suppose I should be investing in something other fixed income
In the taxable account, some mix of intermediate treasuries (vgit or schr), short TIPS (stip, vtip, or vtapx), and I bonds. By retirement, I'd want 25% of bonds in some combination of I bonds and short TIPS.
We hold
Statistics: Posted by Northern Flicker — Tue Jan 28, 2025 7:06 pm