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As retirement approaches (15 months) I'm planning how to manage my nest egg. Right now the plan is to keep all but 3 to 5 years living/emergency cash fully invested in some combination of Foolish strategies. Using Sheard's approach of 5% per year means 15% to 25% cash. My question is where is the best place to keep the cash. So far I keep it in Van ST Bond Fund. What other choices to I have? Med/Long Bond Funds? Short/Med/Long Bonds? Money Market Funds? Mortgage backed securities? the list is endless. naturally I'd like to maximize my income from my cash and the fact that I only need say 5% in any one year it seems like I might have some flexibility . I don't feel that I need instant access to all my cash, but I do need some protection against a prolonged (5 yr) bear market.


Joe Varga
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