Should I Move My 401(k) to Bonds?
Moving a 401(k) into bonds may make sense if you are near retirement or need to reduce volatility, but it is usually a poor fit for younger investors who need long-term growth. Before shifting, consider your time horizon, risk tolerance, current plan options, fees, and whether the move is part of a long-term strategy rather than a reaction to market swings. Alternatives include partial rebalancing, target-date funds, and stable-value funds. For personalized guidance, consult a fiduciary financial advisor or tax professional.