No. of Recommendations: 1
Here are the numbers (I still don't know how to tabulate). They suggest that the intermediate fund has slightly higher yields on all years, except when there is probably some kind of inverted curve (e.g., '94) and that the intermediate fund is slightly more volatile. It's pretty much like comparing the Total fund with any of the other bond funds, just not as extreme. I still think the Total fund provides the best return/risk ratio of the bond funds, so it is probably where I'd want to be during my withdrawl phase, but not my accumulation phase. If it were me, I'd stick to the Total Fund for now and wait for the next big interest rate increase, then go for the Long Term Fund and leave it there until interest rates are low, somewhere near retirement, and switch back.


Year Capital Ret. (Intermediate/Total) Income Ret. Total Ret

'94 -8.2/-8.8 5.3/6.1 -2.9/-2.7
'95 13.3/10.6 7.8/7.6 21.1/18.2
'96 -3.9/-3.0 6.5/6.6 2.6/3.6
'97 2.4/2.5 7.0/6.9 9.4/9.4
'98 3.5/2.2 6.6/6.4 10.1/8.6
'99 -9.0/-6.8 6.0/6.0 -3.0/-0.8
'00 5.4/4.2 7.4/7.2 12.8/11.4
'01 2.6/1.9 6.7/6.5 9.3/8.4

Download the latest bond index fund report yourself to check my numbers.
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