Say I wanted to only invest 60% into VTI, should I put the remaining 40% in BND or leave in Money Market? Money Market is around 2.25% interest lately. To be honest I don't know much about bonds. Stocks, money market & savings accounts make sense to me. I suppose I'll learn more in these other investing/retirement books I'll be picking up from library today. (Boglehead Guide to Investing, Boglehead Guide to Retirement, Walk down Wall Street, etc..)