I have 45% in an international index fund (excludes US stocks), 30% in SP500, 15% in small/mid cap index.
I would like to keep 10% in bonds or cash to take advantage of rebalancing.
But I'm not sure how I feel about bonds right now. If you are buying bonds now, isn't that kind of like betting interest rates will go negative? I know bonds tend to go down in value when interest rates go up. And it seems a common theme now is investors shorting bonds, which is a little scary to be honest.
The Cash fund offered in my plan is " Invesco Stable Val Trust CF", which basically tracks the "FTSE 3 Month US T-Bill Index Series". It has a 0.35% expense ratio, which is kind of high for a cash fund imo.
The Bond Index offered is State Steet US Bond Index NL, which basically tracks the "Bloomberg Barclays U.S. Aggregate Bond Index". It only has a 0.06% expense ratio.
Thank you for your time
Submitted July 31, 2021 at 07:07AM by Take_Notice_Walk https://ift.tt/3j72T0x
