I've been in US Total Bond throughout (with the exception of a portion in my wife's 457b, which has only actively managed bond funds). For me, it's not worth making big changes on a regular basis based on small changes in yields or prices. Being still in the accumulation phase, drops in NAV aren't a concern. And admittedly, part of it is laziness/hands-off-iness when it comes to our portfolio.
I did buy some iBonds last year and plan to do that in small amounts yearly, but other than that, I plan on sticking with Total Bond until closer to retirement. At that point (and as my % bond holdings grows a bit) I would certainly look at moving to TIPS (or SPIA, CDs, etc) for more rate flexibility.
I did buy some iBonds last year and plan to do that in small amounts yearly, but other than that, I plan on sticking with Total Bond until closer to retirement. At that point (and as my % bond holdings grows a bit) I would certainly look at moving to TIPS (or SPIA, CDs, etc) for more rate flexibility.
Statistics: Posted by stilts1007 — Thu Jan 30, 2025 7:43 pm