No. of Recommendations: 0
As it sounds, you are not too concerned with having an exact amount available at some future time; So you may be willing to continue and bear the "volatility" risk inherent in NAV. When and if you ever need to guarantee a set of future cash flows you may consider bonds or CDs and use/match the duration to the cash flow periods.

The question that I am hearing in this post sounds like:

Is a Short-Term Fund or an Intermediate-Term Fund the better play?

Well, the answer requires the famous crystal ball. Right now for you - five years to retirement - I can see no reason to change the mix you have unless you have some intuition as far as where interest rates are going! If you would "feel" better allocating into a shorter index, then allocate.

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