My plan is more flexible I can trade daily up to market close in about 20 or so funds. I don't know about holding to year's end because of the turmoil the EU has thrown into the mix. If that gets fixed I will move into equities like WFQFX and take a little profit as the short term money to be made is highly probable to rise % wise against holding PTTRX. If the EU crisis worsens or at the worst tanks I believe PTTRX one of the safer places to park money. There are those who would argue a Stable Income Fund is a better choice but in previous messages I have stated my misgivings about that strategy. Hope that helps.