So I had my friend in large, small, foreign, REIT in an equal amount with 50% of account in a MM account to be rebalanced once per year. Some of the cash was to go in to a bond fund eventually. After waiting a few years I suggested PHDG to replace some of the cash when it first came out. I was not happy with the result. My thought for getting in was the reason you came up with.
Toofuzzy
Take the road less traveled. It will make all the difference.
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