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No. of Recommendations: 1
Only thing I'd say is that REIT's need to be watched. As you know, if and when interest rates start to go up, those might not be the best place to be. (I have some in AGNC and NLY in my own, IRA.)

I know nothing about the Vanguard funds you mention, so cannot compare with Fidelity, but they should be able to find a place to get some reasonable return periodically.

Personally, I'd suggest some money in AT&T (T -- nice, steady dividends) and maybe a couple of other stable companies, too.

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