It's easy to say, 'Throw it all in stocks,' ... A lot of people say that, but they've never been through a bad bear market.

It's easy to say, 'Throw it all in stocks,' ... A lot of people say that, but they've never been through a bad bear market.

If you're in the market for guidance, this is probably not a bad way to go. A lot of people will try to shame you into thinking you shouldn't be paying for help. But there's nothing shameful in doing it.

You want to understand why a bond manager makes certain strategic decisions,

Conventional wisdom is you don't need too many bond funds,

A good bond fund, like a high yield fund, has less credit risk and less interest rate risks -- and a good manager will add value,