I am in the deaccumulation phase and I currently have a 40% equity/60% fixed income allocation. One half of my fixed income is in guaranteed funds yielding a blended average 4.0%. The other half is split evenly between VBTLX (Vanguard's total U.S. bond fund) and VBIRX (Vanguard's short term bond fund).
I would like to move some funds from VBTLX or VBIRX to build a five year ladder of individual treasuries and/or TIPS. I would appreciate any advice about whether I should take the required funds from VBTLX or VBIRX.
Thanks in advance for any thoughts you would care to share!