Originally Posted by inquisitive
IAre there any safe bond funds where I can be sure the account won't decline?
Not that I am aware of. Bond funds pay more interest because of higher risk.
You have to ask yourself why you need to have no risk where "the account won't decline." Could you accept a 1% decline? a 5% decline? a 10% decline?
You could purchase individual US Treasury bonds. If you had to sell them before they matured, you might lose money. But if you hold them until they mature, you won't lose money per se, but you might lose purchasing power.