Book suggestion: The Only Guide to a Winning Bond Strategy You'll Ever Need: The Way Smart Money Preserves Wealth Today by Larry E. Swedroe and Joseph H. HempenLarry Swedroe posts over in the Morningstar Vanguard Diehards group at diehards.org. Lots of good stuff. BTW he *hates* junk bonds so you can skip that subject with him. However, if you're a risk taker he suggests you consider commodities funds keeping in mind they are risky.OTOH Rick Ferri author of "All about Asset Allocation" likes junk bonds, but wouldn't touch commodities with a 3.048 meter pole.Paul
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