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To keep things simple, I use the Vanguard Short-term Bond Fund for my 0-5 years money. At 0% interest, I don't see any reason to have anything in a money market fund today.</v>

Intercst, once again I appreciate your input.

So are you saying you make deposits and withdrawels frequently with this fund? Does it just act like a MM in that regard?

I was actually just looking at these Vanguard Bond Funds VBTLX VFITX VBIRX VFICX. I understand the Short Term Bond fund for 0-2 years, but if some of my funds were definitely 3-5 years out, would I want to look at one of the intermediate term funds? I actually have put most of my 5-8 year funds into VWINX which at 60/40 bonds to stocks may be bond heavy for that range. But I have enjoyed decent growth and dividend reinvestment there. So after 3 years, those 5-8 year funds are now 2-5 year ones, so you recommend I convert them to a bond fund like the one you suggest at that time?

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