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Regarding ACITX and the like, any reason you have not moved to "short term" version of the fund?
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I also have MAINX in my IRA.
I have no idea whether you NEED an EM bond fund.
I presume I'll stay in these funds (at least MCRDX) for a decade or so; but I'm also OK with being a greeter at Wal-Mart (if I get a deal on a DRIP), so don't take this as relible guidance.