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>>However much of your post implies you can predict future interest rates. You can't.<<

Thats true, I didn't really mean they were definitely going UP or that I have any idea what they are going to do, but there is only so far down they can possibly go. And with that, the upside on bond funds is pretty limited, so why not take 4.65% with no chance of loss whatsoever. Also like you said, if interest rates go up and my guaranteed rate goes up comparably, then maybe I still will avoid bond funds if I don't believe the extra possible return is worth the loss of the guarantee.

Thanks everyone for encouraging me to stick to my own thinking rather than going along with everything the financial planner says.
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