Personal Investments • Keep my bond funds?

I am 73 years old with a portfolio totaling $1,090,500.
51% stock ETF's: $127,000 VEU All World Stock, $432,000 VTI Total Stock Market US
32% Bond Funds: All Qualified money; $85,000 VFIDX intermediate term, $27,000 VFSUX short term, $125,000 BND, $115,000 BNDX,
7% Bond Funds non-qualified $50,400 VBTLX Total Bond Market US, $29,000 VFSUX short term
9% Money Market VUSXX, $100,000

I am negative (like many folks) on the NAV of the Bond Funds by about 7.4%, but improving with interest rate reduction talk and hopeful reductions forthcoming. Distributions average about 3.7% with BNDX being a drag at 2.4%.

My question is: When my NAV gets close to breakeven, do I sell the Bond Funds and put them into long term Treasuries so the qualified money is stable in value with an OK dividend versus keeping them?

Thanks.

Statistics: Posted by PGHunt24 — Wed Jul 17, 2024 11:34 pm — Replies 2 — Views 260

---