I know I should've been paying more attention to my Vanguard total bond market fund, VBTLX, over the years, and didn't really realize what a loser it is. Over 5 years it's down -17.23% and Max, which I assume means when I bought it, is down -6.95%. I have a total of about $96,000 in there right now. I think I want to put this into VUSXX, a treasury money market fund and at least make some money off it, yet it will be safe. Yes, I hate to sell it when it's down, but it's always down. Does anybody else have this fund and are you just waiting to see if it gets better? I always was under the impression that they are a good thing to have in your portfolio.