beware of, and lots of people have this in their 401(k) are targeted date retirement funds. what they do basically is move you more into bonds as you get closer to your retirement. now is just not the time. >> but that was the policy for years and years as you got closer to retirement age, which is 60, 65, good luck in this economy. you would want to be in bonds because you didn't want to take risks. do you think that will change by the time boomers retire? >> well, yes, it very possibility could. but with the fed easing off its easy money policy, interest rates will go up. it doesn't mean a 30-year bond bear market. and you can be in bonds. but take a look at some of the bond funds that i mentioned instead of the total return 30 year kind of bond funds. >> stable value funds. >> yes. >> worth considering at this point. absolutely. >> thanks, brenda. >> thank you. >> making money with your money. that's what brenda does for us. thank you. >> i like that, making money with your money. coming up, pope francis,