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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.
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 . .
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.
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?
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.
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.
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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