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Hi nmckay,

I've enjoyed a lot of your posts around the Fool, thanks for sharing your thoughts and wisdom.

I'm curious why you are choosing bonds over laddered CDs ? I'm thinking I like the safety that CDs offer over bonds. Plus, five years is a fair amount of time to outlast a bear market, yet is a pretty small percentage of our portfolio.

I also am looking at having as simple a portfolio as possible. Therefore I'm pretty much looking at the following asset allocation:

- small cap index
- international index
- total US stock mkt. index
- 5 years living expenses in laddered CDs

I wish I could have only one account, but that isn't possible. Here are our accounts:

1 401k
1 403b
2 Roths
1 taxable account

I think this is as simplified as I can get.

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