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Subject:  Re: Risks w/ municipal bonds? Date:  5/21/2009  12:19 AM
Author:  AngelMay Number:  27561 of 35576


We all feel for you, it is a very frustrating time to put money to work in fixed income.

I feel like I'm between a rock and a hard place with this.

No you are not. Cash never hurts as you and your spouse found out when the stock market got funky. You are in a much better place than many, you have options. You could put 25% - 50% in the GNMA and 25% in a CD ladder and MMA the rest or any reasonable combination. This is a good place to be. The returns are less than desirable but you aren't stuck.

I apologize if I came on too hard.

Oh, not to worry -- you were just giving your best opinion.
And you are right about it being frustrating. This market is a little crazy and I'm pretty UN-sure what to do right now.

I've already gotten back into 4 funds (one of them is a bond fund) - and all are currently paying off for me. But my entrance back into the market has been kind of a tippy-toe into cold water move. I don't feel confident enough to plunge into the deep end just yet.