That was the reason I left TRP 3 or 4 years ago. Tried everything to stop the paper statements from coming (web settings, repeated phone calls / complaints). The worse thing was they were sporadic and unpredictable - not regular. Had one been delivered to an incorrect address or stolen from my rural mail box, I wouldn’t have even known it was missing. Horror show lasted about 6 months before I left. . (I’d been a TRP client 25-30 years before the issues began.)
There have been several threads here over the past few years about the poor customer service at TRP. Sounds like you’ve set / re-set the web-based account settings. Try phoning customer service. But don’t count on them resolving this. They couldn’t in my case.

I had a similar question recently having started a position in MLN last fall. MLN is riskier than I like although even "conservative" higher yield munis lost 15% or more in 2022. MLN has bounced back so I kept it not wanting more capital gains.
After looking at a number of funds I finally settled on PRFHX and PHMIX. They have higher APRs than the peer group, with a St Dev and DD similar to others and the usual "Lower risk high yield fund everyone mentions" VWAHX)

I don't know much about bonds except that at the present time I generally like them short.
The equity side has angst operating in all directions. Will they cut too much? A sure sign of a recession to come. Will they not cut enough? That would be sure to cause a recession. Then there are those that note the perilous altitudes to which equity has climbed. A untoward shift in the wind--earnings, M2 supply, war, locusts--could cause problems whether there is a recession, or not. Lots of entrails being consulted these days.
Well. I have lots of room to buy in the taxable if it comes to that. The IRA is 55/45 equity/fixed income. I had hope to get it down to 50/50, but Mr Market threw a couple of tantrums that spiked that plan. I think the hatches are battened about as well as can be hoped for since we don't need the RMD's yet.

The Week in Charts (09/16/24)
The most important charts and themes in markets and investing, including:
00:00 Intro
00:21 Free Wealth Path Analysis
01:06 Topics
02:42 The Inflation Downtrend Continues
07:57 The Most Absurd Number in CPI
10:46 What Should/Will the Fed Do?
18:45 Don't Try This at Home
23:47 Big Tech's Incredible Run
28:11 The Watch Bubble Has Burst
31:22 Americans Falling Behind on Their Bills
36:11 The Path to Prosperity
Video
Blog - 09/16 blog not currently available

Good info to keep track. But keep in mind that many are projections assuming inflation creep, not yet confirmed by the IRS. Also, major changes may be in 2026 after the TCJA expires at the end of 2025 and it's unclear what parts, if any, may ne renewed.

Anxious to see how the bond markets respond to Fed day Wednesday as well as the following day, I usually have an opinion (which thankfully I never base my trades on) but haven’t the slightest idea of how the markets will react Wednesday and Thursday. If forced to wager a guess, still looking for a move down to 3.50% in the ten year and lower by end of 2024.
The past few months have been nirvana for bond traders and investors. And YTD many bond funds are already up double digits. How long can this continue? Besides the two funds I mentioned last month as well as my MBS fund, I also hold an emerging markets debt fund. Rising gold, falling dollar, lower Fed funds ahead of us and investor apathy on the various boards towards emerging markets are just a few of the reasons. I also wanted a fund with more fixed rate debt as much of what I own are funds with a larger proportion to floating rate. The CLOs bond ETFs just keep rolling on as does HOSIX, a CLO OEF. The later has also been great substitute for cash. Curious to see how the CLOs respond this week.
Lastly, wanted some exposure to the subprime non agency RMBS market much akin to IOFIX. But wouldn’t touch that one with a ten foot pole. So found a fund that has a foothold there but with a far better track record YTD than IOFIX.
Edit. To contradict my feelings about the 10 year above. If the economy was weakening why are junk bonds at all time historic highs. Not what you would see if a recession is on the horizon.
https://fred.stlouisfed.org/series/BAMLHYH0A0HYM2TRIV

With many possible changes to tax code coming in the next year, I thought a tax thread discussion might be worth creating.
Here's an article from Forbes on the topic:
your-first-look-at-2025-tax-rates-projected-brackets-standard-deductions-and-more
Comparing 2024 to Projected 2025 numbers:
https://thefinancebuff.com/tax-brackets-standard-deduction-0-capital-gains.html

Been adding to home builder stocks, DHI (DR Horton) and PHM (Pultegroup). Still pretty small positions overall but I want to play the trend. My biggest holding in that arena is BLDR (Builders Firstsource) which I've bought and sold a few times over the years. Also been moving more MM cash to existing bond funds, CSOAX (Credit Suisse strategic income) and IGIB (iShares 5-10 Year Investment Grade Corporate Bond)... FWIW.

September rebalance of XLK won't be much in the news for a good reason. It changed to proportional reduction in weights of the largest 5%+ holdings, rather the the old stupid "stick it to smallest of the 5%+ bunch". This is GOOD.
Edit/Add. Rebalance date 9/20/24 after market close. Effective date 9/23/24.
https://x.com/YBB_Finance/status/1835671248182862197

I'm cribbing some of my response to the Crossing Bridge thread. The return period under discussion is since April 30.

I added CBLDX to the bond fund gaggle in my IRA because it had a positive return in 2022. I'm guessing XONE would have too. Since April 30 XONE is up 2.87 to CBLDX's 2.54.
The rest of my deck chairs are THOPX, up 5.08%, USTB up 4.72, and TBUX up 3.05. Stock Charts doesn't seem to recognize WSHNX. These funds all had various negative returns in 2022
As you can see, a mix of shorter durations and credit qualities. By this time next year I expect 'll have this list narrowed down considerably.

All of these buys have been commented on in the buy, sell, why thread.
I'll leave a small amount in the mmk in my IRA in case of unforeseen buying opportunities.
I am definitely staying on the short side of duration since I am inclined to think that amnesia is a comorbidity with inflationary periods. I don't trust either party to avoid foolish behavior after the election is over and everyone is seated. I do follow the Anna Karenina formula, which I paraphrase here: Happy families are all alike. Unhappy families are each unhappy in their own way.
I'm not interested in complex alternatives to bonds.

I added CBLDX to the bond fund gaggle in my IRA because it had a positive return in 2022. I'm guessing XONE would have too. Since April 30 XONE is up 2.87 to CBLDX's 2.54.
The rest of my deck chairs are THOPX, up 5.08%, USTB up 4.72, and TBUX up 3.05. Stock Charts doesn't seem to recognize WSHNX. These funds all had various negative returns in 2022
As you can see, a mix of shorter durations and credit qualities. By this time next year I expect 'll have this list narrowed down considerably. So I'm not too worried about key-man risk.
Per @Devo's point two: Team management seems to work well for some companies that have been around a long time. Some companies have deep analytic benches. PRWCX was a successful fund before Giroux took over. Am I the only one that likes to look up older funds on older editions of Kiplingers on google books?

If you liked ”CDs/Tbills/MMKT funds” a year ago, you should love them now. On a relative basis they’ve gotten cheaper. Both the S&P and NASDAQ are ahead more than 27% year-over-year. I wouldn’t be throwing new money into the latter.
“Walls of money” is a curious figure of speech. Apparently reference to cash-centric investors who were happy to settle for 5 - 5.5% returns, but who are disillusioned at the prospect of 4 - 4.5%? It’s all relative. The higher rates were available as consumer prices spiked 5 or 6% year-over-year. With annual price rises coming in at half that (or less) the return on safe money should be lower - a lot lower.
If the question is about where to get the best short-term interest rates now, it’s a good question. I don’t really know. You pretty much have to “go with the flow” and take what’s available (if you want super-safe money). If you have a 3 year time horizon … maybe short to intermediate term bond funds? NEAR was mentioned recently. I’m looking at that and also TDTT. For 5 years out I’m using CVSIX and LQDH for my conservative money. Should net a percent or so over cash. But over shorter periods both have the potential to lose money.
BTW - TBUX is highly rated. But it is what it is - an ultra-short bond fund. (“Nothing to see here. Move on.”)

What a disaster - as seen by MFOP FLOW for MRAD,
https://i.ibb.co/rQNms25/MFOP-FLOW-MRAD-091424.png

Pardon a dumb question - Why is it harder to manage a larger amount? To wit - Buffett claims he could do better as a small investor because adding to and disposing of holdings wouldn’t cause as much price change / front-running. But that’s a different issue. I can’t see where 5 different managers managing $1.5B ($300M each) would necessarily improve performance. How much does Giroux manage?
Purely an academic question / no involvement in the funds under discussion.

@Baseball_Fan. Asking myself the very same question. If this bunch of low risk money is in a taxable account the answer will be different than if a tax deferred situation. Are you willing to increase the risk level for this pile of money? Is it money you will want access to in the next 36 months or so? Sorry,,,,, more questions than answers. We knew that 5% risk free wouldn’t last forever …

Fred thanks,
that's good info. Last week, NVHAX lost 1.3% and NHMAX -0.95% while other HY Munis made money.

A proxy for estimating how CBLDX might do once the Fed cuts interest rates may be to look at how the fund has done since the 2-year treasury note peaked this year at 5.04% on April 30 (It now stands at 3.57%)
Since April 30:
CBLDX +2.54%
TBIL +2.00% (3-Month T-Bill)
OSTIX +3.76%
SHYG +5.70%
PYLD +7.60%
BINC +5.47%
https://stockcharts.com/freecharts/perf.php?CBLDX,TBIL,OSTIX,SHYG,PYLD,BINC
PS: Set number of days to 95 to match April 30 start date.

Hello sfnative. I too, have thought the same about whether the extremely talented and skillful money manager David Sherman is being stretched too thin. The depth of his security analysis is phenomenal as illustrated in his quarterly commentaries, which I greatly appreciate. But how many securities can be scrutinized to that degree? I don't know. Only Mr. Sherman and his team know that answer.
According to the most recent CrossingBridge Funds SAI, David Sherman manages roughly $1.5B and his assistant manager Kirk Whitney manages $315M. Perhaps Mr. Sherman could address whether he perceives this as being an issue going forward, and if so, how he plans to mitigate it (close CBLDX?). Thanks for the question, sfnative.
Mike

Sept 14 Episode - Part 2 with Whitney Tilson

Former fund manager turned financial journalist Whitney Tilson shares lessons learned from knowing and studying great investors Warren Buffett, Charlie Munger and Bill Ackman.

13 Sept, '24:
.25 or .50 from The Fed? Also, Private Credit. Unexciting to me.
https://www.bloomberg.com/news/videos/2024-09-13/bloomberg-real-yield-09-13-2024