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Currently we have about 30% of our investments in a Short-Term Bond fund at Vanguard...

As interest rates have been going up of course, it's lost some value (off-set by its yield)....

What I'd really like is a safe, solid 4-5% without having to worry about where interest rates are headed.... (Yes, interest rates will probably stabilize soon, but we're not looking to make interest rate predictions - We just want a fraction of our money growing at a steady rate).

I'm thinking I should be buying individual bonds and holding them to maturity instead having our "bond" money in a bond fund...

What are the pros and cons of holding bonds to maturity instead of a bond fund? I've never bought individual bonds before.
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