### Comment:
Nice. Best of luck. Volatility decay scares me much more in bonds than equity. Equity is expected to trend upwards but rates could easily stay at 2% forever, let alone increase. TMF gets crushed either way.

### REPLY:
Yeah, I hear you on that. I've been debating either EDV or reducing the TMF, but I worry that we're going to correct pretty hard in the next couple years and the TMF will come in handy

### END.