I am a conservative investor in retirement, who is focused on modest/relative safe total returns, with a strong emphasis on preservation of principal. I use bond oefs, and attempt to invest in bonds that I intend to hold for at least a year. I use Schwab brokerage for my investing, and I hold a large percentage of funds that are in Institutional class shares. I choose to invest a minimum of 5% of my total portfolio in each bond oef I purchase, and I attempt to limit the total number of funds I hold to no more than 10 to 12, but sometimes fewer than that. In my IRA, I tend to choose a little more risky funds, to produce total return that will help recoup my RMD harvesting each year--4 to 6% is a general objective in my IRA account. In my taxable account I attempt to be a little less risky, attempting to minimize taxes, and producing a total return that exceeds CDs and high return bank accounts--3 to 4% total return in my taxable account is my overall objective. I re-evaluate my fund selections at the end of each year and decide if there are any changes I want to make for the next calendar year. So, for example, I have been looking at potential changes in my taxable account recently, and I decided to "reduce" my DBLSX holding, and start a new taxable account position in PUTIX. In my IRA account recently, I decided to sell my PTIAX holding and started a new position in IISIX. I expect to make a few more adjustments over the next couple of week in both my taxable and IRA accounts.
If you have a similar investing style, or similar interests, I would be interested in hearing what you are doing.