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 * The Fama and French Three-Factor Model is the academic foundation of the Morningstar Style Box.
 * Although bond funds are risky (they can lose value), they are exactly as volatile as a rolling ladder of individual bonds with the same duration.
 * Tax Loss Harvesting can save you $750 a year by allowing you to deduct $3,000 of your capital losses against your regular income.
 * The most typical Bogleheads bond allocation, according to the Bogleheads Investment Philosophy, is to hold 50% nominal bonds and 50% inflation-protected securities (TIPS).