When I did a Fidelity Rollover IRA from my old 401k, I wanted to find a bond fund which was roughly similar to the Stable Value fund in the 401k. I ended up choosing Fidelity's Intermediate-term Bond Fund (FTHRX). I have had AAs in my IRA ranging from 55/45 (in favor of stocks) to 50/50.
Retired in late 2008 at age 45. Cashed in company stock, bought a lot of shares in a big bond fund and am living nicely off its dividends. IRA, SS, and a pension await me at age 60 and later. No kids, no debts.
"I want my money working for me instead of me working for my money!"