Seems like an apples to oranges comparison if you are comparing BND (intermediate bond ETF) to SCHD (US Dividend Equity ETF).
If you are seeking safety in the Fixed Income portion of your AA, perhaps VGIT (intermediate term US Treasury ETF) and VTIP would be a mix that would provide comfort?
My understanding is that the mix of your AA between equities and fixed income has a far greater impact on returns than the investments that fill the AA (within Boglehead parameters). And the FI portion should reflect your risk tolerance.
As I heard Mike Piper say, there is no perfect investment plan, but there are a myriad of pretty good options (paraphrasing).
If you are seeking safety in the Fixed Income portion of your AA, perhaps VGIT (intermediate term US Treasury ETF) and VTIP would be a mix that would provide comfort?
My understanding is that the mix of your AA between equities and fixed income has a far greater impact on returns than the investments that fill the AA (within Boglehead parameters). And the FI portion should reflect your risk tolerance.
As I heard Mike Piper say, there is no perfect investment plan, but there are a myriad of pretty good options (paraphrasing).
Statistics: Posted by id0ntkn0wjack — Sun Feb 16, 2025 8:31 pm