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What bond funds do you use?

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  • What bond funds do you use?

    I had previously been using a general bond fund (SCHZ), but after reading some WCI posts ( I think I like the idea of splitting between a TIPS fund and shorter duration fund.

    With current low interest rates, it seems inevitable that rates will go up, so a shorter duration fund makes sense. Though I suppose that is timing the market, but at the same time, it does seem like negative rates in the US are highly improbable. Presumably this scenario is already "priced in" to the cost of total bond funds and short duration funds, so is there really a benefit in changing?

  • #2
    >90% of my bond allocation is in a tax-deferred Stable Value Fund and the TSP-G fund. (I am retired and in the decumulation phase).