My DH's 401K is currently 100% in VINIX, which has been doing INCREDIBLY well (26.49% 1-year return). Just this year we started putting the max into his 401K, and I'm wondering if we should be putting new contributions into a total bond market index fund instead (Vanguard's is not an option, but Fidelity's version is).
I'm not good about buying low or diversifying, so I'm wondering if we should stop buying VINIX & start buying the bonds. What do you think?
(BTW, we're pretty much following JLCollins' advice by not diversifying, but maybe we should be?)