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Old 05-03-2013, 07:30 AM   #41
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Nun...yeah, I have thought of would cost maybe $300 a year extra on the Vanguard money...unless there is more trading activity with those funds. $300 is not a lot....but I would rather have it than not of course. His first two options were the ones I liked.....the first was more of the way you are talking about, the 4th was for urge for a simpler method. I have a tendency to want to stay away from the G fund in the TSP since it doesn't give much return (but doesn't lose at all), although it will make a bit of a comeback when % rates tick back up. Oh well......golfing this me a last chance to mull things over.

Don't know why I didn't notice option 1 more now that I am thinking of it.....he has a lot of my bond action moved to the TSP which would likely be a better place for the bonds wouldn't it?

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Old 05-03-2013, 07:37 AM   #42
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Remember, bonds are designed to be the ballast part of your portfolio, and aside from avoiding long term ones given where interest rates are today, should continue to play an important role in protecting your port against what a horrible bear market can do to you on the equity side. Given the current rate environment, I would keep durations short < 4 years and diversify your bond/fixed income holdings and increase your cash more than normal (eg 10%+). All these bond bubble headlines and discussions suggesting an imminent slaughter with interest rates likely to shoot up like they did in the late 70s/early 80s may very well be a falicy or at least overstated for headline purposes.

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