Those without retirement plans can check a box on their tax returns to get their refunds as a savings bond.

VOA: standard.2009.09.05

His announcement comes just a week after fast bowler Shane Bond confirmed his retirement to join the rebel Indian Cricket League.

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My bond allocation for a tax-sheltered retirement account is 60 percent in the Vanguard Total Bond Market (symbol: VBMFX), 20 percent in the Vanguard TIPS fund (symbol: VIPSX), and 20 percent in the Vanguard Corporate High Yield fund (symbol: VWEHX).

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As they approach retirement they increase the bond allocation, as a safeguard against the stock market crashing just before they need the money.

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