Of all the investments, the one I would personally look the hardest at is the item(s) you call "income funds" If these are mutual funds investing primarly in bonds, they will lose significant principle if interest rates go up. You might want to take a look at http://boards.fool.com/Message.asp?mid=25173616In particular the section on mutual funds. This points out in a period of rising interest rates, bond mutual funds are a way to lose money as well as purchasing power. The alternative of CDs or individual bonds (notes, etc.) at least avoid loss of principle.GordonAtlanta
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