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I appreciate your knowledge and will look for the study referenced. Is it in a Discussion Board?

My objective is to not become one of those regretting a move from stocks to bonds. I've been gradually increasing my bond fund investments as a percentage of my portfolio over the last 2 years, and am wondering about what the future brings. Right now I'm not unhappy with overall portfolio performance. While slightly negative, it's not down the way most Mutuals are (I see -18% to -30% YTD as common).

I studied a review of Vanguard Short Term Government here several months ago - I think you guys were active participants in that discussion. It's done OK the last 6 months.

Given your study of the bond issues, which looks better for safety - Bonds, Bond Funds, or CDs? If the stock market sustains an upward move, I suspect there are those who are chomping at the bit to raise interest rates. Which would make higher CDs available. I think.

In your experience, has the bond market ever been negative for a year?
Or below the rates of 36 month CDs? (Most banks I've talked to don't seem to want to write CDs longer than 36 months.)
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