In constructing the "safe" portion of your portfolio, what types of instruments do you rely on? I find out more about Bogleheads go 50% TBM, 50% TIPS. Is there a rule of thumb that investors use on the fixed income side of their portfolios? Say, gradually move to CD's and / or fixed annuities as you get closer to retirement? Would Boglehead feel comfortable with all TBM and TIPS funds in their fixed income portion of their portfolio even in retirement?
Any help will be apprecited.
I did not find the right solution from the internet.