No. of Recommendations: 0
I like your plan better. Everyone needs at least a little fixed income allocation. I commend you for having, as 22 year old, such a high financial aptitude. However much of your post implies you can predict future interest rates. You can't. That said, 4.65% seems like a solid (default) risk-free rate of return given current comparables.

>>When interest rates go up...I can take my money out of the fixed account and put it into the bond fund.

At that time, however, the rate of your "fixed rate account" will have increased as well.

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