No. of Recommendations: 1
Second with ~20K you don't need anywhere near that number of funds. Frankly two will do Vanguard Total Stock Market and Vanguard total bond fund.

Before investing in a bond fund, I'd suggest going over to the Fixed Investment board and having a chat with the guys and gals over there. Bond funds are not attractive in an environment where interest rates are likely to go up if they go anywhere. This is especially true for funds holding longer-term bonds. CDs or Money Market funds or even short- to medium-term bonds are a more appropriate vehicle for the non-equity portion of one's portfolio than bond funds.

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