When you're talking about stability, you don't want the holding to go up or down in value that much. Most people in retirement only need one to two years of that depending on what else they're holding and may need even less if they have a pension or other source of income. But I think that's probably overdoing it for most people and will detract from the long term performance of your portfolio. All right, that's third purpose, then we're talking about is diversification and specifically diversification from your stock holdings. The most diversified bonds are going to be intermediate and long term treasury bonds. They will typically exhibit that negative correlation during recessions and big stock market crashes.