No. of Recommendations: 0
I'm kinda with ya here, but it starts to sound like market timing to me. Maybe on a macro scale, but timing nonetheless. Same could be said for MM and stocks regarding the recent bear market. I'm not flaming you here, but I'm trying to adopt a good plan w/o having to juggle money around too much.

IOW, I dont want moving $$ around as *part* of the plan.

I didn't really mean to come across as advocating market timing, or anything like that. I just wanted to point out the risks and downside of bonds in the current market.

There's nothing wrong with simply allocating your portfolio between stocks and bonds, even in today's bond market. Asset allocation implicitly assumes you're willing to accept that part of your money will not perform as well as the rest. Though it's not immediately clear whether the underperformer will be stocks or bonds in the short term, it's quite true that there is little upside to bonds right now.

If you're really thinking of long-term bond holdings, you might want to consider individual government bonds, which can be bought without commissions or fees, as a way of keeping your costs low. Over the long run, fund expenses will add up.
Print the post  


When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.