I'm not necessarily recommending it to other people.This is for our 401ks, and individual bonds aren't offered. So not an option there.It sounds like you're only interested in funds, and absolutely not in individual bonds?
But I'll probably be doing a similar transition in our IRAs, where we do have more options. Still, I think I am more interested in bond funds (simplicity, diversification, etc.) but would be open to individual bonds if someone made a compelling case. Why would you recommend that approach (if that is what you're suggesting)?
Just for me.I'm putting a very high priority on predictability in my fixed income--hence, not only individual bonds (to give me predictability at maturity, and allow me to totally ignore the intervening value) but individual TIPS (to give me predictability regarding inflation.) A significant portion of my fixed income allocation is making its way into TIPS ladders, and much of the rest will be in shorter-term Treasury ladders, so that money will spill out at intervals in case I want to rebalance it into stocks, or need it for some other reason that I didn't anticipate when I created the TIPS ladders.
Statistics: Posted by BirdFood — Fri Jun 21, 2024 11:40 pm — Replies 12 — Views 516