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Rollover company 401k to Bonds
Old 10-24-2013, 11:54 AM   #1
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Rollover company 401k to Bonds

I need to rollover a company 401k plan. My total investments counting the 401k plan are 95% equities and 5% bonds. Iím looking at rolling the company 401k 100% into bonds. I would like to go with just one index fund, Fidelity Spartan U.S Bond Index FD. Does that make sense or should I look at more options? After the rollover I will be around 80/20.

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Old 10-24-2013, 12:24 PM   #2
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At first I was going to say I thought 100% bonds was a bad idea until I saw this was a small enough part of your portfolio that it only reduces you from 95/5 to 80/20. That would make it a reasonable thing to do, and even more so if some of the equities are in taxable brokerage accounts. If you have a mixture of taxable and tax-deferred investments, and you have a mixture of stocks and bonds, it's better to have the (taxable) bonds in the tax-deferred accounts and the equities in taxable accounts.
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