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Of course an allocation of bonds makes sense. Just a question of what percentage and what quality of bonds you want. I "manage" or can at least complain, to those who manage my retirement income. Right now, I am trying to convince them to reduce both stocks and bonds and put most into cash (T Bills) which recently were yielding like 5%, better than bonds.

The danger of placing everything in T-Bills is that in 6 months, your alternative may be 2-4%. I'd consider some agencies (FNMA, FHLB, FFCB, FHLMC), which are almost as good as Treasuries. You can lock in 5-6% for 1-5 years depending on the call structure of the bonds.

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