Here is a basic checklist to see if it will be to your advantage to invest in bonds.

Yes, if you have at least $100,000 to invest. It takes bonds from at least 10 issuers to create a diversified portfolio. However, to get decent pricing, you’ll need to buy them in blocks of 10 or more. Since bonds are typically issued in $1,000 increments, that means you’ll need at least $100,000 just for the fixed-income portion of your portfolio. Anything less and you’re better off sticking with a fund.
Continue reading Should I invest in bonds?

1. Better mix of investments. Try to raise that bond stake for safety, and boost foreign-equity exposure for growth.

2. Simplify. Reduce holdings to 10 funds and roll over old 401(k)s from prior jobs into a Roth IRA to make portfolio easier to manage.

3. Invest in index funds. Sell actively managed funds in their taxable account, harvest tax losses, and move to low-cost exchange-traded funds.