Search found 97 matches

by VeganBH
Mon Jun 01, 2020 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 1048
Views: 107702

Re: Why are you NOT buying rental properties?

Been there, done that....and don't want the 2nd job. After 10-years, two house rentals, with perfect tenants and 100% rental/payment - hubs and I can say - NEVER again. The last year, one home had two heritage trees fall/or begin to fall. We had to hire a crane and work through the night so the tree...
by VeganBH
Thu Apr 30, 2020 5:35 pm
Forum: Investing - Theory, News & General
Topic: If you believing in Timing the market, Would you reduce equity allocation now?
Replies: 110
Views: 7921

Re: If you believing in Timing the market, Would you reduce equity allocation now?

I did and would pull back from a standard AA equity position. I pulled back from 70/30 to 50/50. Rationale: Market is ~13% from peak. Peak was overvalued to begin with. Even assuming it wasn't, the trouble in the economy is clear and undeniable in contrast to pre-COVID conditions. 13% seems like a ...
by VeganBH
Wed Apr 22, 2020 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Parents want me to pay off their mortgage in exchange for title
Replies: 102
Views: 9220

Re: Parents want me to pay off their mortgage in exchange for title

Sandtrap wrote:
Wed Apr 22, 2020 4:01 pm

That's great that you were able to do that. :D
Yes. In the long run, these things looked at in a "big way" can work out well.

Congratulations.
j :happy
Thanks - yes, we are blessed.
:sharebeer
by VeganBH
Wed Apr 22, 2020 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Parents want me to pay off their mortgage in exchange for title
Replies: 102
Views: 9220

Re: Parents want me to pay off their mortgage in exchange for title

Everyone's relationship to their parents is different as is their financial situation. I can add, based on my own (and DH) experience: We did do something similar, in a time of need for my mom. Dad passed away, then a serious health issue, and a job loss followed - making her life awful. DH and I w...
by VeganBH
Wed Apr 22, 2020 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Parents want me to pay off their mortgage in exchange for title
Replies: 102
Views: 9220

Re: Parents want me to pay off their mortgage in exchange for title

I wrote about my parents' financial issues before, their small business is in absolutely dire straits now. Their primary (and only) asset is their primary residence. Comparable sales were about $550k prior to the pandemic. They owe about $180k. My parents made me the following proposition. I pay of...
by VeganBH
Tue Apr 21, 2020 12:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18841
Views: 2634188

Re: U.S. stocks in free fall

willthrill81 wrote:
Tue Apr 21, 2020 10:40 am
minimalistmarc wrote:
Tue Apr 21, 2020 10:36 am
I’m a fairly intelligent person but I chose not to let my intelligence get in the way of investing.
Well that ends this discussion right there.
+1
by VeganBH
Wed Apr 15, 2020 9:44 pm
Forum: Investing - Theory, News & General
Topic: Head Fakes and Dead Cats .. your thoughts on the rally?
Replies: 386
Views: 32148

Re: Head Fakes and Dead Cats .. your thoughts on the rally?

One think is absolutely certain..... none of this fit into any image I had of my golden years. You didn't expect the market to ever drop again? Or are you talking about the virus and stay-at-home stuff? My DH applied/received early retirement from MegaCorp back in Jan. - he retires in 2 weeks. The ...
by VeganBH
Wed Apr 15, 2020 9:10 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio: ‘you’d be pretty crazy to hold bonds’ right now
Replies: 128
Views: 13175

Re: Ray Dalio: ‘you’d be pretty crazy to hold bonds’ right now

I understand next to nil about bonds. But I do know my VBTLX (Total Bond Market Index) has returned: 5.02% YTD; and 1-year return of over 9%. I wish my crystal ball was working for the future.... :happy
by VeganBH
Wed Apr 15, 2020 4:54 pm
Forum: Investing - Theory, News & General
Topic: What in the world is propping up this market?
Replies: 206
Views: 20759

Re: What in the world is propping up this market?

So what about the remaining 90%, who comprise stockers at our grocery stores, baristas at our coffee stops, nurses aids at our senior living homes, cops and firemen and first responders, small business retailers. Do any of you honestly believe what we are seeing in the stock market reflects their f...
by VeganBH
Wed Apr 15, 2020 1:42 am
Forum: Investing - Theory, News & General
Topic: What in the world is propping up this market?
Replies: 206
Views: 20759

Re: What in the world is propping up this market?

I know we Bogleheads aren't supposed to pay attention to market movements but I really am fascinated by the resiliency of this market. I mean, the economy is all but shut down folks. The market is supposed to price companies based on book value and projected earnings, so what does the market see in...
by VeganBH
Tue Apr 14, 2020 11:23 am
Forum: Investing - Theory, News & General
Topic: What in the world is propping up this market?
Replies: 206
Views: 20759

Re: What in the world is propping up this market?

I'm not going to act on it, nor do I put much credence in my own mood swing, but... yeah... I'm having a little trouble coordinating what the market is doing with opinions like IMF says the world will ‘very likely’ experience worst recession since the 1930s . I know the US isn't the world, and I kn...
by VeganBH
Mon Apr 13, 2020 11:09 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72533

Re: Bogleheads community discussion - Coronavirus

The very first immune contact for Covid-19 is not the lung (small particle) but larger particles. We have evidence for this clinically as patients have been describing relatively mild and prolonged symptoms of loss of smell, nasal congestion and perhaps dry cough. Its only until they say, "it went ...
by VeganBH
Fri Apr 10, 2020 11:52 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72533

Re: Bogleheads community discussion - Coronavirus

A sobering headline (excerpts below) in a sea of sobering headlines: Los Angeles Co. stay-at-home order could last into summer; more social distancing essential, officials say Which is based on (LA Times, today): Officials outlined the stark paths ahead for Los Angeles County. If the stay-at-home or...
by VeganBH
Fri Apr 10, 2020 11:35 pm
Forum: Investing - Theory, News & General
Topic: Head Fakes and Dead Cats .. your thoughts on the rally?
Replies: 386
Views: 32148

Re: Head Fakes and Dead Cats .. your thoughts on the rally?

I obviously know nothing. It does seem like just yesterday that I was reading posts here where folks were pondering the possibility of the market going to zero. Since that seemed more plausible to me both then and now....I obviously know nothing (worth restating) :wink: . Especially with stories lik...
by VeganBH
Thu Apr 09, 2020 11:17 am
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 514
Views: 50162

Re: Who's buying today? where's all the "dry powder" folks at? :)

This covid market has once again shown I don't ever know and should just stick to index funds and rebalancing. In 2008 I was new to slice and dice index funds and quickly rebalanced all the way down. I was so quick I ran out of money to 'buy the bargains' and just rode everything down to 666 S&P 50...
by VeganBH
Mon Mar 30, 2020 7:47 pm
Forum: Personal Investments
Topic: Vanguard web site
Replies: 10
Views: 890

Re: Vanguard web site

I generally like VG's website (I may be a bit biased because I used to have Ameriprise and their site is the absolute worst). The standard account landing page today, with the pie chart of AA, I don't care for as much as their "normal" page. VG tells me that the "pie chart" page is actually their ol...
by VeganBH
Sun Mar 29, 2020 10:11 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 320
Views: 25684

Re: How much you lost/gain since Feb 20,2020 ?

Down ~7.5% on an AA of 25:75. Losses equate to ~5 years of expenses :( , a good gauge, since DH just took an early retirement package from Megacorp, and I still plan to retire this year.
by VeganBH
Sat Mar 28, 2020 5:07 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age ? and this crisis ?
Replies: 170
Views: 9275

Re: What is your AA, given your age ? and this crisis ?

DH & I are both 51. He took early retirement package in Feb (before the crisis) at MegaCorp. :| Before downturn: 25:75 (Stocks:Fixed [CDs, MM, Bonds]) After the 2-3 days bump last week: 15:85 - we sold some old, costly MFs, and plan to replace with VTSAX at some point in future. Ultimately, we may g...
by VeganBH
Sat Mar 28, 2020 4:24 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 267
Views: 15590

Re: So what are you cooking

We like to cook simple, one "pot wonder"-type recipes. And like to use our instant pot (IP) for a variety of veg soups/chilies . DH and I just threw together a nice lentil soup - mostly pantry items and an assortment of veggies/greens we've frozen. We roughly follow this recipe https://simple-vegani...
by VeganBH
Sat Mar 28, 2020 4:10 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 267
Views: 15590

Re: So what are you cooking

Who said cooking needs to be complicated? Popcorn! :) Orville Redenbacher's Original - Not a microwave bag (which would also work), but the real stuff. A 30 oz partially used jar was sitting on my shelf. I can eat a lot of popcorn, so I used the maximum amount listed: 1/2 cup of popcorn and 3 table...
by VeganBH
Sat Mar 28, 2020 2:00 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 129024

Re: Coronavirus (Consumer Issues) How you are preparing?

It might be worthwhile to tell your children that "Life is not fair" and "You can't always get what you want." I would have no qualms not going to the store and buying milk for my children. I do have some powdered milk around for possible use when there is no power (i.e. hurricanes), but I know it ...
by VeganBH
Sat Mar 28, 2020 12:27 am
Forum: Personal Finance (Not Investing)
Topic: How are you going to use your stimulus money?
Replies: 222
Views: 12686

Re: How are you going to use your stimulus money?

Nyc10036 wrote:
Fri Mar 27, 2020 8:12 pm
Donating to various farm animal rescues.
Thank you - that's awesome ..... :sharebeer
by VeganBH
Thu Mar 26, 2020 4:03 pm
Forum: Personal Investments
Topic: Why not stand on the sidelines for a little while?
Replies: 302
Views: 14237

Re: Why not stand on the sidelines for a little while?

To recap: we are facing a world-historic crisis situation, much of which depends on how the US pandemic plays out, and various economic vicious cycles play out after an unprecedented small-business wipeout and massive unemployment...while at the same time we have (without getting too deep into poli...
by VeganBH
Wed Mar 25, 2020 11:14 pm
Forum: Investing - Theory, News & General
Topic: Why decreasing stock allocation after a big dip can sometimes make sense
Replies: 131
Views: 5958

Re: Why decreasing stock allocation after a big dip can sometimes make sense

"Everybody has a plan until they get punched in the mouth." --Mike Tyson Before you retire, you can evaluate your risk tolerance all you want. Work the calculations. Pore over the charts. Do it all. But suddenly things seem quite different when there seems to be no end to a market dive and a plague...
by VeganBH
Fri Mar 20, 2020 3:01 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 129024

Re: Coronavirus (Consumer Issues) How you are preparing?

Anyone dropping dinero on some of the longer term food supply stuffs, like My Patriot Supply, Valley Food Storage, etc? They're in an 8-10 week delay it seems but if this thing lingers months or a year, you would think that food would starting getting thinned out at some point? I was in the middle ...
by VeganBH
Fri Mar 20, 2020 3:00 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 129024

Re: Coronavirus (Consumer Issues) How you are preparing?

Anyone dropping dinero on some of the longer term food supply stuffs, like My Patriot Supply, Valley Food Storage, etc? They're in an 8-10 week delay it seems but if this thing lingers months or a year, you would think that food would starting getting thinned out at some point? I was in the middle ...
by VeganBH
Thu Mar 19, 2020 3:37 am
Forum: Personal Investments
Topic: Time to Move Vanguard MM Funds to Local Bank? (B of A)
Replies: 12
Views: 1617

Re: Time to Move Vanguard MM Funds to Local Bank? (B of A)

DH and I are considering moving a significant amount of funds out of Vanguard Federal MM (default account, VMFXX), to a savings account at BofA Branch (~$1/2M within FDIC limit). May I ask how you would get FDIC insurance for $2M? $250k for her account $250k for his account $250k for joint account ...
by VeganBH
Thu Mar 19, 2020 3:29 am
Forum: Personal Investments
Topic: Time to Move Vanguard MM Funds to Local Bank? (B of A)
Replies: 12
Views: 1617

Re: Time to Move Vanguard MM Funds to Local Bank? (B of A)

With Fed rates at zero, it's likely that bank rates will soon reflect that. If you have substantial funds, you could set up a CD ladder of sorts. I just saw that Discover Bank has 12-36 month CDs at 1.75-1.80%, with an early withdrawal penalty of 3-6 months of interest. I've used them for some time...
by VeganBH
Wed Mar 18, 2020 6:15 pm
Forum: Personal Investments
Topic: Time to Move Vanguard MM Funds to Local Bank? (B of A)
Replies: 12
Views: 1617

Re: Time to Move Vanguard MM Funds to Local Bank? (B of A)

rasta wrote:
Wed Mar 18, 2020 5:23 pm
why not just do a cd ladder with brokered cd's
or:
buy VUSXX
or
buy short term t-bills at auction?
Thanks for suggestion - will look into/consider the CDs - the other.... I don't have enough confidence in my understanding of anything finance related, especially anything new to me. :o
by VeganBH
Wed Mar 18, 2020 6:11 pm
Forum: Personal Investments
Topic: Time to Move Vanguard MM Funds to Local Bank? (B of A)
Replies: 12
Views: 1617

Re: Time to Move Vanguard MM Funds to Local Bank? (B of A)

Two days ago I moved ~9 months of usual expenses from my liquid Vanguard Prime Money Market fund in to my credit union, by way of a small ladder of CDs as well as in to my savings and my checking accounts. This left another 9 months of expenses still liquid at Vanguard. Nothing radical, I'm just se...
by VeganBH
Wed Mar 18, 2020 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: FDIC Coverage Limits - Trying to understand max coverage in a single savings account
Replies: 7
Views: 405

Re: FDIC Coverage Limits - Trying to understand max coverage in a single savings account

Also considering moving a significant amount of funds out of Vanguard Federal MM (default account, VMFXX), to our local BofA Branch. Is this crazy to consider movinghis move - or just "safer"? We are on the cusp of retirement (or not). Our "stay the course" philosophy is seriously being challenged....
by VeganBH
Wed Mar 18, 2020 4:59 pm
Forum: Personal Investments
Topic: Time to Move Vanguard MM Funds to Local Bank? (B of A)
Replies: 12
Views: 1617

Time to Move Vanguard MM Funds to Local Bank? (B of A)

DH and I are considering moving a significant amount of funds out of Vanguard Federal MM (default account, VMFXX), to a savings account at BofA Branch (~$1/2M within FDIC limit). This is our taxable account. Is this crazy to consider making this move - or prudent/safer under these unprecedented time...
by VeganBH
Wed Mar 18, 2020 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: FDIC Coverage Limits - Trying to understand max coverage in a single savings account
Replies: 7
Views: 405

Re: FDIC Coverage Limits - Trying to understand max coverage in a single savings account

Also considering moving a significant amount of funds out of Vanguard Federal MM (default account, VMFXX), to our local BofA Branch. Is this crazy to consider this move - or just prudent/possibly "safer"? We are on the cusp of retirement (or not). Our "stay the course" philosophy is seriously being ...
by VeganBH
Wed Mar 18, 2020 2:32 pm
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 514
Views: 50162

Re: Who's buying today? where's all the "dry powder" folks at? :)

Not us - been nibbling on the way down - more like re-balancing. We've had 1/4 of our PF set aside for a downturn that we expected would come, and had hoped ("planned") to up our equities allocation from 25 to 35-40%. But, we are now TERRIFIED of loosing our "safe" fix assets that we have in MM/Tota...
by VeganBH
Tue Mar 17, 2020 3:07 am
Forum: Investing - Theory, News & General
Topic: Brand New Documentary on Pandemics - Chillingly Similar to Current Events
Replies: 0
Views: 251

Brand New Documentary on Pandemics - Chillingly Similar to Current Events

I realize there's a long-running thread on movies/TV shows BHs are currently watching - but since there's not much activity on that thread as of late, I thought I'd post this recommendation here - in case anyone might find the series useful given the current pandemic we're experiencing. We've just s...
by VeganBH
Tue Mar 17, 2020 1:56 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1924
Views: 208251

Re: [What TV Show Have You Recently Watched?]

<r><QUOTE author="LadyGeek" post_id="5047693" time="1582765244" user_id="11675"><s>[quote=LadyGeek post_id=5047693 time=1582765244 user_id=11675]</s> <I><s>[i]</s>Better Call Saul<e>[/i]</e></I>, on Netflix. I fully agree - it's one of the best shows out there (second to <I><s>[i]</s>Breaking Bad<e>...
by VeganBH
Tue Mar 17, 2020 1:55 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1924
Views: 208251

Re: [What TV Show Have You Recently Watched?]

If anyone wants to watch something that is chillingly timely/similar to what we are currently experiencing....take a look at a brand new ( Jan. 2020 ) docu-series on Netflix called: " Pandemic - How to prevent an outbreak " DH and I did a google search on the subject...hey, thought we might glean so...
by VeganBH
Mon Mar 16, 2020 12:11 pm
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 492
Views: 41872

Re: The Calm Post - Stay the course thread.

The level of crazed panic expressed on this forum might be an indication we're at the bottom, but stocks are still high. I don't know what to expect but I don't think there's any hurry. I think we can predict easily the events before us, but they don't happen very fast at all. If anything the tempt...
by VeganBH
Mon Mar 16, 2020 11:55 am
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 492
Views: 41872

Re: The Calm Post - Stay the course thread.

Oh wow - this is a great support thread. Thank you Bogleheads! I'm going to get my 1st cup of coffee after a fitful 2 hours sleep and read through this entire thread. I must stay away from those other threads . I know I can't.... Thanks again. Stay safe. :beer Also, instead of wandering through the...
by VeganBH
Mon Mar 16, 2020 11:27 am
Forum: Investing - Theory, News & General
Topic: $19 Trillion in Corporate Debt At Risk of Default
Replies: 167
Views: 11288

Re: $19 Trillion in Corporate Debt At Risk of Default

Best suggestion to protect ourselves? About 50% of our PF is Total bond (VBTLX); 25% is MM/Cash (25% is stock - which we've written off at this point)? Do we sell/move to MM or will that go kaput? Never thought this would be a worry - so quickly things have taken a turn. We are on cusp of retiremen...
by VeganBH
Mon Mar 16, 2020 11:00 am
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 492
Views: 41872

Re: The Calm Post - Stay the course thread.

Oh wow - this is a great support thread. Thank you Bogleheads!
I'm going to get my 1st cup of coffee after a fitful 2 hours sleep and read through this entire thread. I must stay away from those other threads. I know I can't....
Thanks again. Stay safe. :beer
by VeganBH
Mon Mar 16, 2020 10:41 am
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 492
Views: 41872

Re: The Calm Post - Stay the course thread.

Let's put things in perspective. In 1945, the entire world economy was pretty much wrecked. Not just the estimated 85 million people killed (3% of the world total, most of whom being military aged men), but industry, infrastructure, and agriculture. Not only that, the entire eastern half of Europe ...
by VeganBH
Mon Mar 16, 2020 10:24 am
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 492
Views: 41872

Re: The Calm Post - Stay the course thread.

Please - I need to have some confirmation, as a new-ish boglehead. Given everything we currently know/don't know - staying the course still makes sense? Even for someone on the cusp of retirement (early 50's), with a 25:50:25 (stock: VTBLX; MM/Cash) ---- split between taxable/deferred. Thanks for a...
by VeganBH
Mon Mar 16, 2020 7:51 am
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 492
Views: 41872

Re: The Calm Post - Stay the course thread.

Please - I need to have some confirmation, as a new-ish boglehead. Given everything we currently know/don't know - staying the course still makes sense? Even for someone on the cusp of retirement (early 50's), with a 25:50:25 (stock: VTBLX; MM/Cash) ---- split between taxable/deferred. Thanks for an...
by VeganBH
Mon Mar 16, 2020 7:39 am
Forum: Investing - Theory, News & General
Topic: $19 Trillion in Corporate Debt At Risk of Default
Replies: 167
Views: 11288

Re: $19 Trillion in Corporate Debt At Risk of Default

Thanks for your response. At this point, we just want to have some confidence our VGMM (sweep) remains liquid - and VBTLX doesn't suffer losses similar to stocks - obviously, hasn't happened historically. Seems like this "time really is different." :annoyed :shock: For Vanguard, my sweep account is...
by VeganBH
Mon Mar 16, 2020 7:02 am
Forum: Investing - Theory, News & General
Topic: $19 Trillion in Corporate Debt At Risk of Default
Replies: 167
Views: 11288

Re: $19 Trillion in Corporate Debt At Risk of Default

Best suggestion to protect ourselves? About 50% of our PF is Total bond (VBTLX); 25% is MM/Cash (25% is stock - which we've written off at this point)? Do we sell/move to MM or will that go kaput? Never thought this would be a worry - so quickly things have taken a turn. We are on cusp of retiremen...
by VeganBH
Mon Mar 16, 2020 6:58 am
Forum: Investing - Theory, News & General
Topic: $19 Trillion in Corporate Debt At Risk of Default
Replies: 167
Views: 11288

Re: $19 Trillion in Corporate Debt At Risk of Default

"In its most recent financial stability report, the International Monetary Fund raised the alarm about piles of risky corporate debt, which it said could amplify problems and deepen the next recession. The group conducted a stress test based on a hypothetical economic shock that's half as severe as...
by VeganBH
Mon Mar 16, 2020 6:00 am
Forum: Investing - Theory, News & General
Topic: $19 Trillion in Corporate Debt At Risk of Default
Replies: 167
Views: 11288

Re: $19 Trillion in Corporate Debt At Risk of Default

"In its most recent financial stability report, the International Monetary Fund raised the alarm about piles of risky corporate debt, which it said could amplify problems and deepen the next recession. The group conducted a stress test based on a hypothetical economic shock that's half as severe as...
by VeganBH
Mon Mar 16, 2020 1:47 am
Forum: Investing - Theory, News & General
Topic: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20
Replies: 396
Views: 20330

Re: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20

I've been reading through this thread with much interest - to clarify our best actions under the current circumstances, learn from others, and well, misery loves company. :P Just now, I paused for several minutes to watch the nightly news. I know the news likes to sensationalize everything ..... but...
by VeganBH
Sun Mar 15, 2020 8:48 pm
Forum: Personal Investments
Topic: Fed Rate Cut - Stay in Total Bond Index or Move Some Funds to MM?
Replies: 0
Views: 335

Fed Rate Cut - Stay in Total Bond Index or Move Some Funds to MM?

DH and I are on the cusp of retiring. We are 25:50:25 (S:B:Cash/MM). Do folks suggest we move some of our bonds to MM (tax-deferred accounts)? Is there more downside VBTLX than upside here? I have no idea what the worse case scenario is for VBTLX - is history from 2008 even relevant? Trying to reduc...