Gyroscopic Investing

I only mentioned that fund because it's extremely broadly diversified and requires no management. One could easily do a "roll your own" version with 80% intermediate-term Treasuries and 20% TSM and in fact I have an elderly relative who's done just that for her retirement income fund. Not recommending either of these options I like them both better than a bond fund like BSV which has the risk of corporate bonds without the prospect of equity returns.

I would never use shv for a cash proxy