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Hello. Considering investing in T. Rowe Price's Va. Tax-Free Bond (PRVAX). This fund has a 4* rating from Morningstar, but presently it has a .43% YTD return. Ten years from retirement with no bond fund but, 25% of savings in CDs. Will max Roth allotment this year in Vanguard Balanced (VBINX). Locked into a terrible 403b with 2-3% annual fees, so majority of investments are in taxable with Vanguard Total Stock Market, Tax Managed International and Tax Managed Small Cap.

My 403b offers PIMCO with a front load and higher expense ratio then Harbor. Could transfer several of the funds in my 403b and get some bond coverage this way. The entire portfolio may do better anyway with fewer funds and all of those confounded compounding fees.

Any suggestions about obtaining more bonds? Feeling nervous when I see that Pie chart pop up at Vanguard with 100% holdings in stocks!

Many thanks. Tess

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