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Old 09-25-2013, 10:54 AM   #41
Confused about dryer sheets
Join Date: Jun 2013
Location: avon lake
Posts: 7
I hope I'm not getting off subject, but we have no bonds at all. We retired early due to my health. I'm 63 wife is 59. We have about 400k, 65% stocks, now the rest cash. I figure our cash needs will be about 12k per year, so I want to leave 60k in cash. I have never invested in bonds, because I thought the risk was greater than the return. Obviously, after reading in this site, I am wrong. It looks like people who know a lot more than I do on here consider them valuable investment tool. Until the last year, I was about 95% in stocks, all self directed.

For my wife's sake, I will probably covert to index funds like Spy, and Mdy. I would like to use index bond funds, but again, how much risk is there. Sorry for the questions, but bonds are foreign to me.

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Old 09-28-2013, 07:06 PM   #42
Recycles dryer sheets
Join Date: Oct 2012
Location: Houston
Posts: 360
I bought some PIMPCO Total Return in early '08 when it became an option and monthly cost-averaged into it. Bill the Grosser has done well by me--41% ROI.
A large chunk of that was from Fidelity Intermediate, which I think was hammered in '08 (probably due to bank bond holdings, so the switch worked in that the rest was rebalancing from stock funds. Past performance by Bill the Grosser is not indicative of future returns, but I think he and Grundlach are the sharpest tools in the active shed.

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