Subject: Re: 100% Stocks

Maybe I should have started a new thread but people here that invest in bonds, do you use ETFs/mutual funds or do you invest in individual bonds?

Personally I invest in individual bonds since I know what I will get at maturity while with funds there isn't really a maturity (although they discluse an avg maturity) so when you need the money the fund could be down 10 or 20% and I wouldn't like that. I prefer fixed income to be safe with known values.

Rich