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Subject:  Re: How to diversify into bonds Date:  1/9/2014  1:50 PM
Author:  blacktreechaser Number:  35161 of 37007

I get the impression you want to make your portfolio more conservative, and you don't need bonds for immediate income. If you're buying bonds in a retirement account at age 31, I don't see a bond fund being out of line for you. Just track the fund(s) against their peer funds every few years. Maybe consider individual bonds when your 5 years from retiring.

Maybe some shares in a high yield (junk) fund with a decent track record, and some of a corporate bond, intermediate maturity fund, with bond maturities of about 10 years or so??

If you want real conservative, treasury bonds. Yield on the 30-year is about 3.8 or 3.9%, and if you buy them as "zeros", yield is probably over 4%.

You may or may not want to consider preferred stock funds, or preferred stock.

This is probably not a good time to search for individual discounted bonds for capital gains or high returns.

The above is only my opinion. Others may disagree.
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