Today on Your Money, Your Wealth podcast number 385, inflation is high, interest rates are high,

and the financial markets are volatile. Are bonds and series I bonds, good investments, or bad

investments right now? How do bonds fit into your overall retirement portfolio? Plus,

variable annuities, evaluating the long-term value of rock contributions versus

Roth conversions, what if anything can be done about losses in an after-tax 401K, helping

adult kids buy a home and drinks in the derails?

Go to Your Money, Your Wealth.com and click on Ask Joe and Al on air to send in your

question as an email or a priority voice message like

the one coming up.

I'm producer Andy Last with the hosts of your money, your wealth, Jill Anderson, CFP,

and Big Al Clopine CPA.

Hi, this is BC from New Jersey.

I am actually retired because of a disability. I'm almost 65. I have considerable

assets over a million in taxable and over a million in a traditional IRA.

I love your podcast and I often hear you talk about asset allocation as I do hear others.

I've recently taken over the management of my assets because I didn't like the way they were being managed.

And when you talk about asset allocations and you talk about bonds,

I'm doing the managing of my portfolio using indexed funds.

So, for example, I may have the total bond market index fund from Vanguard.

Do you guys recommend individual bonds of a certain period to help meet money needs?

That's the first question.

The second question is I have a variable annuity in my traditional IRA and I'm wondering

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