Consider using a near dated target retirement fund for bonds, since the 2020 or 2015 fund is probably mostly bonds anyway.... Those are the only six funds available through my employers plan and currently the only bond funds I have access to until I bring my Roth IRA back to Vanguard from Ameriprise.
The MERS plan has a BlackRock LifePath retirement fund, or the NCIT funds mentioned above might be good candidates with bond index exposure at a lower expense ratio.
Regards,
Statistics: Posted by retired@50 — Fri Aug 29, 2025 9:36 am — Replies 19 — Views 2357