10-10-2020, 08:56 AM
Makes sense. I don't have any bond funds at the moment either, although in the past I've had PHYAX (current yield 4.6%) and some that are no longer around. Good point about interest rates rising crushing bonds; hadn't thought of that. TLT - I've never done anything with treasuries.
Maybe when I'm actually living off the dividends I'll turn to municipal bond funds if I'm making so much that it helps keep me in a lower tax bracket. But while I'm in the build up phase, I agree bonds don't cut it. From what I can tell so far, most of the participants of this site are also in the build-up phase; it would be interesting to hear from people actually living the dream.
Maybe when I'm actually living off the dividends I'll turn to municipal bond funds if I'm making so much that it helps keep me in a lower tax bracket. But while I'm in the build up phase, I agree bonds don't cut it. From what I can tell so far, most of the participants of this site are also in the build-up phase; it would be interesting to hear from people actually living the dream.