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Thankyou for your input. I have a pension and will supplement the pension with my mutual fund investments, all of which are taxed deferred. As I mentioned, I may or may not draw out any money at the age of 60. I am currently 55. My feeling is to keep about 25% in MMs for immediate liquidity, if needed and the rest in various types of equity portfolios. I don't believe in bond funds, but everyone seems to think I need these as part of my allocation. The response on this board has been primarily agreeing with me. All other boards I have posted this question never answered my question. They have just responded by giving me the standard answer about asset allocation that usually includes bonds as part of the allocation.

I do have a question for you. Since all of my investments are in tax deferred accounts with several mutual fund families , how do you purchase INDIVIDUAL BONDS with these monies?
Thanks, Matt
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