Simplify your portfolio to VTI VTSAX where you can. Repeat that phrase when in doubt. If that is not avail pick the closest low cost diversified stock fund. I haven’t liked bond funds for years due to the lack of control the owner has and its transparency when interest rates change. Bnd declining 13% in 2022 was the perfect storm for bond fund owners. For control and transparency, I use a 5 year treasury bond / cd ladder. They are so easy to understand even a caveman / cavewoman can do it. When a bond or cd matures I move it to my mm fund to spend, or rebalance it to equities, or buy another bond / cd.
Statistics: Posted by Parkinglotracer — Thu Aug 15, 2024 5:51 am