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September 15, 2025 16 mins

Bonds are often seen as the “safe” side of an investment portfolio. But are they really safe—especially over the long term? In this episode of the LawyerFI Podcast, Adam B. Cordover breaks down one of the most misunderstood topics in investing: bonds.

We’ll explore:
✅ Why bonds are considered safer than stocks in the short term
✅ The hidden long-term risk of inflation
✅ What’s inside a Total Bond Market Index Fund
✅ When bonds make sense depending on your age, goals, and risk tolerance
✅ How experts like J.L. Collins and Paul Merriman approach stock/bond allocation

Whether you’re early in your career or planning your retirement withdrawals, this episode will help you decide how bonds fit into your path to financial independence.

Mentioned in This Episode

Total Bond Market Index Fund Ticker Symbols

Vanguard Mutual Fund (VBTLX) — 0.04%

Vanguard ETF (BND) — 0.03%

Fidelity (FXNAX) — 0.025%

Charles Schwab (SWAGX) — 0.04%

Key References

Stocks for the Long Run by Jeremy Siegel: http://bit.ly/4goBgxp

J.L. Collins’ The Simple Path to Wealth: http://bit.ly/3VNRaYo

Vanguard Target Retirement Funds: http://bit.ly/47G7ou0

Paul Merriman on Stock/Bond Allocation:    • Stock vs Bond Allocation According to  Pau... 

J.L. Collins on Asset Allocation: http://bit.ly/42sCO3k

Listen & Subscribe

If you found this episode helpful, please like, comment, and subscribe—and share it with another lawyer or professional who wants to take control of their money.

🔗 More resources at LawyerFI.com

This episode is brought to you by Florida-based Collaborative Family Law Attorney Adam B. Cordover. Family Diplomacy: A Collaborative Law Firm, serving professionals across Florida with dignity and privacy in divorce. Learn more at familydiplomacy.com or call 813-443-0615.

We accept clients in every county in Florida and have offices by appointment in Tampa, St. Petersburg, and Sarasota.  Contact us to schedule a confidential virtual planning meeting.

If you found this episode helpful, please like, subscribe, and share with a colleague who could use a simpler, smarter path to financial independence.

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