Trying to Figure out How Much You Need to Retire

[CityFarmer]

Ah! Individual bond and bond fund. It's really not the same as stock and STF Index fund. Thinking both pairs in terms of safety of capital invest is parallel, is a big mistake. i may have thought in this way until i read a warning if you want to go into bond, buy individual bond and not bond fund. Bond fund can have many funny things happen to your capital invested. Hey! How about subprime CDO bonds as a product again?

The key words is financial literacy IMO.

There are risks involved, and there are means to mitigate e.g. buying bond to maturity, and staggered approach etc.

I prefer equity over bond. A follower of Peter Lynch who believe more in equity than bond investment.