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I'm in a similar boat. After retiring a few months ago, I determined my target for bond allocation to be about 40%. But that doesn't necessarily mean (to me) to dump 40% of my IRA into bonds today. I don't think there's anything wrong with applying a little common sense on where we are in the interest rate cycle.

Most of my bond allocation is still in cash. I have been DCAing into TIPS (ACITX). I intend to start DCAing into a small portion of high-yield (junk) and short-term corporate bond funds. It will probably take most of this year to get rebalanced.

Regards, WERman
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