Continuing to DCA into fixed income in our IRAs with funds from maturing t-notes - FPNIX, DHEIX, CBLDX, NRDCX.

If you are thinking about a longer term CD (say a year or more), you might consider streamlining an IRA transfer by using a 60 day rollover (once per year is the limit).
You could withdraw the IRA money into your taxable Schwab account and on the same day (or perhaps the next day to be safe) initiate a deposit into an outside CD (IRA). That would constitute a 60 day, non-trustee-to-trustee rollover. If you keep to 12 month or longer CDs, you could rinse and repeat fairly easily.

Yep, that is a possibility, but as long as I can get 4.3% SNAXX money market returns in my Schwab IRA, I probably will not do that. I can still move some IRA money out of fixed income and dabble in some bond oefs to a limited extent. I did that for years, and I am willing to do that again for a small part of my IRA investing. There are some very conservative bond oefs, like DHEAX/DHEIX, that I would be willing to use if CDs are no longer attractive.

Current holdings: ICMUX, CBLDX, RCTIX, DHEIX. Will look into SYFFX.

Multi-sector funds and other bond funds I use:
-CBLDX (Crossingbridge)
-APDPX (Global unconstrained)
-HOSIX
-NRDCX (Crossingbridge - Nordic fund) is an interesting add
-DHEIX - short-term HY.
This mix should maintain a very low SD, if recent history is any indicator.

Hi @Derf - I wanted to stay short-term and t-bills and notes have dropped below 4%. I think we could do better with agencies in DHEIX, plus corporates in NEAR, and adding to a low sd multi-sector in CBLDX. So I’ve added some risk, though still have a significant (for us) share of fixed income in laddered t-bills/notes.

Purchased CBLDX, NEAR, DHEIX, and Mmkt with the funds from 2 maturing treasuries.

Added to TIERX in 403-b; NRDCX, DHEIX, and RCTIX in IRAS. Been adding to our small allocation in international equity (TIERX) and international bonds (NRDCX) and like the stability of RCTIX and DHEIX, both of which have a focus on securitized assets, short end of the curve, and a stash of cash to deploy on opportunities.

In the last 2-weeks I’ve reallocated the following:
In IRA(s): sold small amounts of VIG/VDADX and VTSAX; added to CGDV and transferred the rest into NEAR, DHEIX, and Mmkt. Have been saving cash for potential individual treasury notes or a market drop.
In 403-b: moved money into TIERX, VBTLX, and QCILIX.

New purchase DHEIX to go with RCTIX, ICMUX and CBLDX

Thanks for sharing. The question becomes which to buy. By my evaluation prior to the shock DHEIX and SEMMX were low risk short term MBS funds but both have gotten hit. dheix is still "only"down 5.6% for year

holy crap! Just goes to show that cash is the only sure thing. All the numbers on IOFAX and its consistency looked so strong. Also true for funds like SEMMX, DHEIX, which were identified in the conservative bond fund thread over the last couple of months. They've all been shot. @Charles a good time to revisit your article on how bad it can get. Surreal and painful.

At Schwab, you enter the trade and before the "PLACE ORDER" it will tell you
DHEIX isn't available - only to institutions.
DHEAX-free to buy, min $2500, 90 days early redemption fee at $49.95
JMISX (Inst share)-it's free to buy(unique, not at Fidelity), $100 min, 90 days early fee at $49.95
JMUTX-free to buy, min $2500, 90 days early redemption fee at $49.95

Do JMUTX JMSIX or DHEIX charge redemption fees? The prospectus is very vague

Great topic. Thanks for starting it. I'm looking at DHEIX as a steady eddy. But to be quite honest with these volatile moves I haven't pulled the trigger on any of these. I'm just keeping money in my Schwab money market and waiting. How do we know if any of these funds are really safe when you have the 10 year hitting .5% for the first time ever. And that's a week after it hit 1%. I'd love to hear others thoughts.

Do the problems in the credit markets ( what took them so long to wake up?) today concern anybody with positions in DHEIX JMSIx PTAX or JMUTX ?
https://www.bloomberg.com/news/articles/2020-03-06/credit-market-has-worst-day-in-a-decade-as-virus-fuels-selling?srnd=markets-vp&sref=OzMbRRMQ
Of course after several days of analysis I just added to my positions

Years ago I worked as a developer for mutual funds transfer agent which handles all these funds trades. The following is a common process: the big shops like VG, Fidelity, Schwab, and others have their own internal transfer agent. Schwab aggregate each day PER EACH FUND all the buy and sell orders as ONE trade. This means DHEIX sees Schwab as one huge client. Then, after Schwab gets the shares it will separate it by each client/account. DHEIX still knows the names of each client and how many shares each has. In most cases, Schwab is the one who handles short-term and most other stuff. Most private mutual funds don't bother to tell the big shops what to do.
This is why I said Fidelity make their own rules.
There are several tricks I use not to pay ST fees :-)

dt, thanks for your post.
I, like yourself, work through Schwab (I also am with Vanguard). I have had this discussion with my Schwab Pinnacle Representative in Indianapolis. Besides the short term redemption fee that the fund may impose, based on how Schwab processes orders with a fund family, he does not know how the fund would know that it is "you". I gather that if the fund is "small" and it receives a huge order from Schwab, it might trigger something.
I guess an analogy would be purchasing x dollars in a fund to qualify for institutional shares and then turning around and selling a bunch of shares. I have done this countless times with Schwab and Vanguard Brokerage and never heard a peep from either. This seems to support that the fund family did not know. If my representative at Schwab is correct, I wonder how American Beacon knew it was you.
On the related, what I also do not understand is that if for example American Beacon has a short term redemption fee and you are willing to pay it, what is the problem. If they do not have a short term redemption fee, then what is the problem. When I purchase and then sell a Vanguard fund, the trading policies are transparent.
Mona
Mona, I have not experienced the trading warning at Schwab, but I have not traded very often at Schwab. The personal experience I incurred was when I was at Fidelity, and it was Fidelity who contacted me, on behalf of American Beacon, with the warning about frequent trading from American Beacon. I had recently upgraded SPFPX to SPFLX, and I then had made a sell out SPFLX shortly thereafer, and that apparently triggered the warning.
Regarding DHEIX/DHEAX, I have not experienced that personally at Schwab, but I have only owned DHEAX a few months. However, I do recall another poster stating the "Diamond Hill Boys" frowned on his trading frequently in and out of the fund.
I don't understand the dynamics of the interaction between the fund companies and the brokerage companies, but I was clearly left with the message that it was American Beacon who had flagged my trade actions while I was using the Fidelity Brokerage

I would just suggest that you research short term trading positions of bond oef funds you might consider for short term parking purposes. I have read poster comments of those who have attempted to use DHEIX in that manner. Diamond Hill issued warnings to those investors that they cannot execute their particular investing practice, if investors move in and out of this fund quickly and often. Some funds can red flag posters who do that, and you can lose your investing privileges with that fund. I have personally experienced that when I was with Fidelity a couple of years ago with SPFLX/SPFPX, when it was widely recommended as a cash alternative fund. American Beacon contacted Fidelity brokerage and suspended my ability to invest in that fund in the future, because I was interfering with their ability to carry out their particular investing practices and efforts to keep fees low. I think funds that carry a lot of cash, or assets considered "cash alternatives" allow that short term trading practice more than funds who use mortgage securities, bank loans, and even some corporates.

FPFIX is a pretty good fund invested mainly in securitized and low duration=1.7 and a good "cash sub". Another similar fund is DHEIX with duration=1.4. Both invested mostly in IG bond rating. I like DHEIX a bit more because it's yield = 3.9 while FPFIX = 2.6.
Securitized is my favorite category for years because deals better with rates.
I ran it thru Port Vis (link)
and DHEIX looks better for performance, SD and Sharpe

@guilhermes
ZEOIX had a good record for several years but HY have their problem when markets collapse. Losing -0.8% is a lot of money especially when you compare it to DHEIX which has over 80% in IG rating bonds. BTW, ZEOIX also lost -0.6% in Q4/2018.
I'm just giving several options. If it was me and I was looking for a "cash sub" fund I would use DHEIX and not ZEOIX. See (chart)