Vanguard Lowest Risk Funds?

Quote from jostle : If you are feeling uneasy you could always move some of the funds to a closer date Target retirement fund like 2030 or 2045. VG should give you the breakdown of how your funds are diversified and if you want to move to a more conservative approach just pick funds with more bond allocation. In 6/12 months you feel more confident then you can move some of the funds into back or into a diff Target fund with a further out date to allocate more to stocks. I actually have a similar situation to you, but am 30 and have my funds in a 2030 and 2045. This basically satisfies both my conservative and risk sides.

I like this idea. Hadn't really thought about that.

edit...


to my novice eye, they all appear to have about the same amount of volatility


http://www.google.com/finance?chdnp=1&chdd=1&chds=1&chdv=1&chvs=maximized&chdeh=0&chfdeh=0&chdet=1360851658994&chddm=912985&cmpto=MUTF:VTWNX;MUTF:VTTVX;MUTF:VTHRX;MUTF:VFINX;MUTF:VFORX&cmptdms=0;0;0;0;0&q=MUTF:VTXVX&&ei=xvIcUcDzGIW2rQHKxgE



here's the 1yr chart


http://www.google.com/finance?chd...GYTFqgHZcA

In lieu of short term bond index funds, what would be a good alternative to park money saved for a down payment on a house in 3-5 years?

Quote from vbt : just curious, if its retirement money ,why the short 6-12month time frame for it?

Quote from vaultaddict : Just a gut feeling. Getting nervous lately.

Please provide proof of your gut feeling's track record, from a neutral verifiable source, such as the Hulbert Guide to Financial Gut Feelings.

Actually the best reason to go to cash now isnt pessimism but optimisim: the stock market has been pretty good for the past 3-4 years, although sentiment still isn't as optimistic as it was back in 2007, at the last market peak. Some time in the late 1990s, when the stock market was still on a long bull run, Hulbert wrote that about half the financial newsletters he tracked were bearish, half were bullish, and it seemed that was the long term norm. Flipping a coin will also be half bearish, half bullish. And Elaine Garzarelli, who became famous for predicting the October, 1987 crash, hasn't done very well since, except for predicting a bear market in the 1990s -- on the very day of the market bottom for the year. Another person who did the latter was Joe Battaglia, who "changed his mind" a few days later. Both were articulate and highly confident in their words, as is every CNBC guest.

getting nervous again here....