Bonds and Fixed Income

[gfp927z]

Bar, I see the Bulletshares do have a .10% expense ratio, so that could explain part of the lower yield compared to Treasuries.

Fwiw, for the bond allocation I went with a monthly Treasury ladder going out 3 years. No commissions to buy, and no state income taxes, and being retired the Federal tax aspect isn't too big a deal. But I can see where the muni route can make a lot of sense for people like you in the higher tax brackets. Locking in some longer maturities is looking like a good move (like your 7 year corporates), since it won't be long before these high rates are no longer available.

Btw, on the stock side I moved the allocation up to 30%, mostly in the S+P 500, but some small positions in individual stocks. The individual stocks provide a fun aspect, and are meant to be long term buy / holds (link below). Got a little carried away though, lol. I also got back into 3 of Buffett's Japanese stocks, with small positions (ITOCY, MARUY, SSUMY). Never should have sold those last year, but from what Buffett and Munger have said, these are still bargains -


https://investorshub.advfn.com/Great-Stocks-37555



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