No. of Recommendations: 0
Hello. Tess here. Frankly, I'm worried that I don't have any bond investments in my portfolio. This has bothered me for some time now and I'm unsure on how to proceed. For a few years, I could be comfortable with a 70/30 allocation of stocks to bonds/fixed income. I will retire in approx. twelve years, have no credit card debt, and my house mortgage will be paid off before retirement.

Cash in a 6 month CD (due to roll over soon) $48,000

In Taxable:
Vanguard Total Stock Market $64,000
Vanguard Tax-Managed Small-Cap Fund $20,000
Vanguard Tax-Managed International Fund $22,000
Inherited an account at Ameriprise:
Riversource Disciplined Equity (AQEAX) (Morningstar gives 3 *'s--Large Blend) $84,000

In Roth IRA:
Vanguard REIT $9000

Would like to purchase VIPSX for my IRA--but of course, can only invest $4,000 this year.
T. Rowe Price has the Virginia Tax-Free Bond (PRVAX). Morningstar gives it 4 *'s. YTD return is 4.01%.

Any suggestions would be most appreciated. Tess
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