Post #294 by onepoorguy on the Retirement Investing board

Personal Finance Topics / Retirement Investing

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Personally, I don't like bonds or bond funds. I own some because I have a target date fund, but that's it. Everything else is stocks.

Early on in my investing I learned the hard way that bond funds are NOT "safe". Far from it. So I'll stick with equities, though I am considering doing a laddered CD structure (which is relatively safe, and sometimes you can get CDs that pay significantly higher than inflation).

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