"One should get something in return for increased risk."Right! ETFs and funds spread risk around because they hold lots of issues. I'd still go for agency or maybe Ford bonds, sold at a discount, with coupons in the 4-7 range, realizing there is a high probability of getting called and having to repeat the process of making a selection again, perhaps within 2011. Someone here recently had an account with TD Ameritrade, and their inventory wasn't great. Best wishes, Chris
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