I'm a classic lazy "investor." I have my IRA's in Vanguard Total Stock and Total Bond funds. Other than changing the percentage mix I have been blissfully (?) ignorant. But while very late to the game, I can't now ignore the poor performance of Bonds. This is especially the case when -at least so I thought- Bond funds are supposed to be a somewhat stable aspect of the total portfolio.
If I really want dollar-stability it seems I should just dump the Bond fund and go all in on CD's and/or Treasuries. I haven't called Vanguard, yet. My questions to the wise folks here: Am I missing something? Any downsides to my thought process?
DW and I are conservative by nature, our current mix is roughly 75/25 Bond/Stock. Our pensions and SS provide more than our lifestyle expenses.
If I really want dollar-stability it seems I should just dump the Bond fund and go all in on CD's and/or Treasuries. I haven't called Vanguard, yet. My questions to the wise folks here: Am I missing something? Any downsides to my thought process?
DW and I are conservative by nature, our current mix is roughly 75/25 Bond/Stock. Our pensions and SS provide more than our lifestyle expenses.