No. of Recommendations: 3
Since you have a high income, you probably should spend some time looking at the tax efficiency of any funds you get. (Hint - bonds are not tax efficient, but their purpose in my view is not for income - they are to CYA in times like September 2008 through April 2009.)

Will they really CYA of the people? Do you really believe they will have the foresight to jump out of the market into bonds in late August 2008 and then have the COURAGE to jump back into Equities in early May 2009? Timing the market is difficult--Especially when one is afraid of it. Most people are afraid when the market is in a prolonged decline. If they got out in time they wait too long to get back in and give it all back.

It is very easy to look back in time and cherry pick the declines to avoid and when one should have jumped back in... Try doing that in real time with real money and not fantasy trading--and see how easy that is and how much money you made.

Good luck

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