>>>>You're going to need utilities, REIT's and High-Yield Bonds ("Junk" Bonds). No-load Utility Mutual Funds, No-load REIT Mutual Funds and No-load High-yield Bond Funds would do the trick. <<<<I'd also add to the list, "Emerging Markets Bond Funds"- these have even higher yields than some junk bond funds, BUT they also bear more risk of loosing their value if the coutries default. Good luck.Eddie
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