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Here is my dilemma: I have never invested in bonds or bond funds, so I'm a novice to say the least. I am 29 and currently have 100% of my retirement (401K & Roth IRA) allocated across several stock index funds at vanguard. I would like to diversify ~20% of my retirement portfolio into bonds or bond funds, but I have no idea how to go about this. It seems like the consensus on this board is that there is currently a lot of interest rate risk for bond funds, so I'm not sure what to do. Any recommendations? I have an ~30-35 year investing timeline, and I plan to dollar cost average into both stock and bond funds during that time.

I also have a taxable account that's mostly in ING. Are there any better short term, low risk investments for money above and beyond my emergency fund. I-bonds, lattered cds, etc.?

Thanks in advance for any help!!!


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