gem11 wrote:Thank you for the replies.
I am researching the expense ratios. On my bond fund it seems that Harbor bond HABDX with a .57 expense ratio has outperformed Vanguard Total Bond VBTLX with a .10 exp ratio over the last 1,3,5 and 10 year periods. I've always been happy with Harbor, but would like to diversify into another fixed income fund, so that all fixed income isn't in one place. I'm also concerned about interest rates rising and the downside bond risk. We chose 30% bonds/cash, because with the pension, we feel we can tilt higher towards stocks.
We have no debt other than our mortgage and with the 3.625% rate on it, I'm not sure if paying it off is better than investing. We also don't keep a higher emergency fund, because we have a home equity line of credit with a very low interest rate.
I haven't ever liked the allocations of Target funds. I'm happier choosing.
Thank you so much for your time!
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