Well, if you plan on having less then $100,000 in Treasuries, then I would suggest Treasury Direct:http://www.treasurydirect.gov/sec/sectdfee.htmBond funds have the issue of not necessary getting into the principal while if you hold a bond ladder of Treasuries it can be easy to let a bond mature and move it into your MMF if your stocks go down. Also, remember that bond funds could dole out capital gains and may not be as stable as holding Treasuries to maturity.Just my rant on this,JB
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