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Ingers asks:

<<Thanks a lot for the clarification. Then why does the Retirement Port hold VBISX (Vanguard ST Bond index fund) whith a return of 4.82% in one year, which includes dividends (right?), when one get get that kind of return in a MMF, without paying fund expenses?>>

Understand that the Retiree ports are barely a half year old. Thus, I wouldn't change anything in them anyway until their anniversary date. That return does not reflect the fund's 5-year history, which is far more important to me than one year. One year's history is but a blip. As to the particulars of the selections for the ports, see the article "A Place for Bonds" at

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