See message 2908. This is not a particularly good time to buy a bond fund, but a gradual investment over time is OK because of dollar averaging.People who have been burned in the tech stock meltdown now seem to favor diversification and bond funds. Thats probably an over reaction. You don't need bonds right now at your age. So I would keep buying a diversified portfolio of stocks (your selection looks very diverse) for now and switch a chunk to a bond fund when interest rates are high. Interest rates peaked this cycle a year ago December (just before the Fed started lowering interest rates). That will happen again in the next business cycle--probably 8 to 10 years from now. That will be better timing for you.