I'd disagree with eliminating bonds, but would agree to keep it at 10%. I'd also put it into the total bond fund of Vanguard. In a rising interest rate environment for which many of us are guessing, that fund, over time, will increase (there is a good illustration of this on the Vanguard site). You can buy individual bonds but that's a bit more complicated and at your age I don't think that's necessary.The Callan chart shows that your feeling about bonds has been accurate lately. But it also shows that there are times when it's been great to have that bond "tail" to your portfolio (2008). Even at your age I think you should keep some allocation.http://www.callan.com/research/download/?file=periodic/free/...I'd also congratulate your adviser. Agree or not, (s)he put you in low cost funds at a reasonable allocation. It would NOT appear that this person is trying to rip you off.Hockeypop
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