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Dear Menlo, It seems like you have a psychological block to really committing to your asset allocation. I am in a similar position (right down to the "trying hard to transition to bonds" part). As I move toward my target allocation (which also happens to be 15% bonds), here are the things ...

mmicha, Very simply, you could put your rainy day fund into an online savings account. At current rates at Ally or AmEx you could get a whopping ~$380 a year. It's much less important than what others are telling you, but it's easy to implement. As for amount, the conventional wisdom is to keep 3-6 ...

Dear letsmakesomething, I am new here, and a much less experienced investor than most on this board, but I am in a somewhat similar situation to yours, so have given this some thought. You don't list your marginal tax rate, but if you are in even the 25% bracket, then I think you should still maximi...

Regular Guy: I wrote: I'd let the bond fund manager decide if a small percentage of callable bonds is worthwhile. You wrote: Am I correct to understand Taylor's comment that active management is a good thing in a bond fund . Sorry, you are incorrect. I believe bond index funds are generally superio...

Thanks from another reader, Valuethinker. You mentioned at the end of your post that David Swensen doesn't recommend corporate bonds as a core asset class in well-diversified portfolios. I have noticed that this forum in general seems to disagree with Swensen on this point. Do others think that Swen...

Newbie here, so maybe this is a silly question: But doesn't the OP's question amount to the relative value of paying off his student loan at 2.75% or doing something else with his money? Wouldn't his loan's interest rate have to go up a good deal before he wouldn't be better off (in the long term) j...