Do you realize you are recommending a junk bond fund to someone new while the short rate is next to zero? DHF description - "US and foreign issued non-investment grade debt securities and defaulted securities"
If you have to ask this question YOU SHOULD NOT OWN A SINGLE ISSUE STOCK! Please buy some mutual funds, research some ETFs or CEFs. Otherwise you will be a slaughtered sheep and blame Wall Street for your foolishness.