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@webdesignbellflower For me treasuries under 1 year are probably the best option out of all the bond options. The state tax exemption can be a big deal for treasuries.

@mojoboy31 Cash holdings weren’t all that long ago barely over 0 percent. That is something to keep in mind. You can back test cashx vs total bond on portfolio visualizer to see how returns historically have been.

@laterrainfot You could also look at buying tbills at auction or even in secondary market. 6 month tbills are around 5.2% and they are state tax exempt if your tax has a high tax could be helpful. NY/CT/CA all have pretty high state tax so could be helpful in those places. Not the best option...

@moonphantom You are free to go 30/70 or whatever asset allocation you want. My take is I think those companies would know better than me on picking the right asset allocation. If the TDF are using market cap weights for their allocation I am fine by replicating it with individual funds.

@nikitamaria If you want to make your own 3fund you would want to go 83/8/9 with 500 mid cap and small cap indexes. Global ex us for international and us bond index for bond allocation. Here is guide for approximating us total market.