My portfolio is nearly 100 stocks (VFIAX and VEXAX and VXUS). I will retire in 5 years so I thought I'd move some money into bonds, but I see that Total Bond (BND) ETF down 12% over the last 5 years.
Bonds are supposed to be safe, but if it's down 12% after 5 years, that seems riskier than just leaving it in VOO/VTI and keeping 3 years money in cash and CDs.
Do you recommend a different bond fund or something less risky than stocks that isn't actually down over 5 years?
Submitted August 11, 2024 at 12:05AM by herm_b https://ift.tt/YPFj8vs
