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Old 01-05-2018, 04:00 PM
 
Location: Portal to the Pacific
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I am rebalancing. I have monies in our Vanguard IRAs and I want to put them in bond funds. I have few already, but I don't want to use them.. one is an international and another is TIPS. I feel like I have enough of both of those.

What's a good, basic, bond fund? The kind one would use if they were just doing a simple boglehead portfolio I think is what I'm looking for.
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Old 01-05-2018, 04:04 PM
 
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with rates rising i prefer a go anywhere bond fund like fidelity strategic income . of course a mix of assorted bond funds would be best . i would not put the entire bond budget in one bond fund . betting the ranch on just a total bond fund in my opinion is the wrong thing to do now . they are far to interest rate sensitive and they are anything but total . they lack many of the less interest rate sensitive components . .
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Old 01-05-2018, 05:26 PM
 
Location: Florida
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My question is why do you want a bond fund? Are you retired? Or have years to go until retirement?
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Old 01-05-2018, 06:03 PM
 
17,688 posts, read 15,388,641 times
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Quote:
Originally Posted by flyingsaucermom View Post
I am rebalancing. I have monies in our Vanguard IRAs and I want to put them in bond funds. I have few already, but I don't want to use them.. one is an international and another is TIPS. I feel like I have enough of both of those.

What's a good, basic, bond fund? The kind one would use if they were just doing a simple boglehead portfolio I think is what I'm looking for.
There isn't just one perfect bond fund. In Vanguard I have VCLT, VTIP, VWIMX (which is 60% bonds/40% equities), VWENX (which is 40% bonds/60% equities), and VGWIX (Wellesley global which has a international bond stake).

In Fidelity I have several bond funds including short term, ultra short term, corporate, total, TLT, and a couple income funds as well.
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Old 01-05-2018, 06:06 PM
 
Location: 415->916->602
3,145 posts, read 2,640,138 times
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Quote:
Originally Posted by rjm1cc View Post
My question is why do you want a bond fund? Are you retired? Or have years to go until retirement?


When I sell my house, I want to stash the proceeds into bonds; However, i want to be able to use those proceeds in about two year's time. Would that make sense for me to do this?
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Old 01-05-2018, 06:19 PM
 
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Short term bond fund would be appropriate for a 2 yr time horizon or an income fund could work. There's always CDs, but the rates are still pretty low.
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Old 01-05-2018, 06:22 PM
 
Location: Florida
6,595 posts, read 7,268,514 times
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Quote:
Originally Posted by 49erfan916 View Post
When I sell my house, I want to stash the proceeds into bonds; However, i want to be able to use those proceeds in about two year's time. Would that make sense for me to do this?
Vanguard has a good short term bond fund. The shorter the term the better. But since interest rates will be going up and the value of the fund could go down a little I would look toward CD's. I think you can get ones that have a 6 month interest penalty if you cash out early. Maybe a 2 year of a 5 year. Get a few so you do not have to cash all out if you do not need the cash.
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Old 01-05-2018, 06:53 PM
 
Location: Portal to the Pacific
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Well, we are in our late, late 30's and early 40's.
We have 75%+ in equities.

Aren't we supposed to have some in bond funds at this point?

I'm just kind of going along with Boglehead recommendations here.
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Old 01-05-2018, 07:44 PM
 
Location: DFW
40,930 posts, read 48,938,221 times
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Quote:
Originally Posted by flyingsaucermom View Post
Well, we are in our late, late 30's and early 40's.
We have 75%+ in equities.

Aren't we supposed to have some in bond funds at this point?

I'm just kind of going along with Boglehead recommendations here.
I just shifted some of my money into Target date funds which will be more balanced.
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Old 01-05-2018, 09:30 PM
 
5 posts, read 3,959 times
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Quote:
Originally Posted by flyingsaucermom View Post
Well, we are in our late, late 30's and early 40's.
We have 75%+ in equities.

Aren't we supposed to have some in bond funds at this point?

I'm just kind of going along with Boglehead recommendations here.
Meaning the other 25% is cash/bonds/alternatives? Seems a bit conservative for a couple that is 40 and still need capital appreciation. Cant really help with the bond fund advice as I don't have any in my portfolio.
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