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Anyone able to help me with the pros and cons of bond funds/vs individual bonds - gov or corp? I am in a dilema
searching for retirement income and the best way to draw for my living expenses. Also a good source for finding
individual bonds. Thanks


Individual bonds that you intend to hold until maturity avoid the risk of loss due to changes in interest rates. Bonds in a fund can be sold and the fund can suffer a loss. However, if you own a few bonds and one goes under you lose all of your money but in a fund you would lose very little.

My choice would be individual bonds of top rated companies, but the risk is higher than a fund.

Gov vs Corp is one of security. The gov bond is more secure and pays less interest.

Try E*Trades site for a source of bonds. I think they have on but have not used it.
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