Probably old topic to you guys but tough for me after selling and tying up loose ends for my business. What the heck do I do about a so-called bond allocation if I want to follow the simple JL Collins VTSAX/VBTLX model? Given what VBTLX has done in 2019, do you just close your eyes and buy it now, assuming you'll rebalance every year for 40 years? Understood that no one knows the future, but anyone have other bond allocation ideas for someone who would otherwise be a VBTLX-type buyer (i.e., I have no special circumstances: 48 years old, 65/35 AA, and under 30% tax bracket (don't need tax free options))?