Welcome to the Jill on Money Call of the Week. We're presented by Marcus by Goldman Sachs.

This is our opportunity to help you out. If you've got any sort of thing going on in your financial life,

we're here for you, me and Mark. So all you have to do is send an email, ask Jill at

Jill on Money.com.

Give us a little bit of an idea of your question,

and hopefully we can get as much detail as possible

in that email.

And if you would like to get on the air with us, we'd love to have you.

So do that. Ask Jill at Jill on Money.

That is what Karen did.

She is calling from Ohio.

Hello Karen.

Welcome to the show. What can I do for you. Hi Jill my

husband and I are recently retired and we're both 63 years old. We're in the

process of rebalancing our portfolio in retirement and we're looking at possibly a 40% stock 60% bond allocation.

We've already taken a reduced presence in the stock market. We're down to 40% but the remaining investments now just

sitting in cash. We don't know a lot about bonds. We know enough to realize that buying

and selling individual bonds is beyond our expertise but when we look at

bond funds we also knows this might not be the safest place for our safe money since you can lose money

in the bonds with the interest rates rising and if you sell before maturity

and with 60% of our assets to invest we hate the thought of losing any of the money that

is to be in a safer asset. Who wants to lose money? Come on. Exactly, especially at this point in your life. Right, no kidding. Tell me a little bit...

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