I am 55, and I believe to start reducing risk, I should maintain about 25% of funds in my Vanguard IRA in bonds to start reducing risk. For a long time, I had a chunk invested in VUSTX Vanguard Long Term Treasury Fund. I took an overdue look at this, and it has done awfully, meaning negative returns. Any suggestions for the best place to put bond funds to reduce my risk while still maintaining a positive return?