Which one should I convert to Bond – 401Ks or Roth?
Makes no matter because they are both tax-protected accounts. I agree with above that (low-yielding) bonds belong in taxable...........and make them munis.
If bonds ever yield 4+%-----5+%---- or more, then the tax-efficiency placement comes into play, and you will prefer them in tax-protected accounts. Meanwhile, I believe you should choose separate AAs appropriate for your goals for each account. Most likely they are the same, both goals for retirement.
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