Would you drop a large chunk of money into Vanguard CA tax-free Long Term Bond Fund at this time? Financial Engines is giving me that advice. At present, I have most of my fixed income in CDs of 1 year or less, and in Vgd Investment grade bond fund, Vgd. Tax free Intermediate Term Bond Fund, and a BIG chunk in the Vgd. Prime Money Market Fund, which is of course dropping with the interest rates. We are within a couple of years of retirement. Yikes, what to do??