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Bond funds rec. pls.
Old 05-31-2012, 02:51 PM   #1
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Bond funds rec. pls.

I need to put some money in bond funds to balance or improve my AA.

I have account with Vanguard, Fidelity and T. Rowe Price.

Can you pls suggest good bond funds within this families?

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Old 05-31-2012, 03:07 PM   #2
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I'm only with Vanguard. From this family how about just getting a total bond fund? Simple enough.

Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX) - $10,000 minimum


Vanguard Total Bond Market Index Fund Investor Shares (VBMFX) - $3000 minimum

p.s. Admiral has lower expense ratio of the two.

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Old 05-31-2012, 04:59 PM   #3
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I've been in the TR Price Spectrum Income fund for 10 years. Pays a consistent ~4% for the past 20 years.

Recently upped the ante to the TRP High Yield...~7.7% consistently for over 20 good that they 've closed the fund last month.

YMMV but I've been very happy with both funds (tonight is dividend night!)

Note that these funds are not as safe as T bills etc, hence the higher yields, but my personal belief for myself is that the risk is low. Caveat emptor!
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Old 05-31-2012, 09:26 PM   #4
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My bond allocation is 74% VFIDX Vanguard Intermediate Corporate, 10% VFIJX Vanguard GNMA fund and 16% VWEAX Vanguard High Yield. In aggregate, these funds have a weighted average duration of 4.8 and a weighted average yield of 3.75%.

I may transition to some shorter duration if it appears interest rate increases are imminent.
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Old 06-01-2012, 09:55 AM   #5
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Ordinarily you'd be fine with nothing but like Jack Bogle and I.

However, interest rates are terribly low now and current yields are as a result. When interest rates rise, bond fund NAVs will take a predictable hit. The longer the bond duration, the bigger the NAV hit, so many advisors suggest shortening duration. As a result, Jack Bogle and I are also holding

Jack (Bogle) and I are 50/50 in these two bond funds, so you'd be in good company.
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Target AA: 45% equity funds / 30% bond funds / 25% cash - radically changed Nov 2018
Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
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