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FYI: Don't expect much from your bond mutual fund next year. The bond market will likely produce modest returns, if they're positive at all, according to many bond-fund managers. It's a matter of math: Bonds are offering very low interest rates following a decades-long drop in yields. That means they're producing less income. Regards, Ted http://bigstory.ap.org/article/1556d021ea294098aa4c0c2acbc61a2e/2015-bond-outlook-low-expectations#