Quote:
Originally Posted by shultice24
I think I've been in the econ program here at school too long- "on the other hand..." 
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Well, that's not really a bad thing, because as you have observed, things are not always as simple as saying, "Bond funds are safer than stock funds" or vice versa. In the end, it does depend on the general composition of said fund and the fund manager's investment style....
That said, I agree that you don't really need a bond fund if you don't want. As I have suggested earlier, a simple online savings account would suffice. But plenty of choices as well, depending on what it is exactly, and the bond fund is another option.