It's serious <a href=" http://inebolutso.org.tr/liquid-nolvadex-research-chemicals.pptx ">tamoxifen dosage forms</a> Herman says some target-date funds have changed the structure of their bond holdings. Short-term bonds, like 90-day U.S. Treasury bills, are less affected by interest rate changes than longer-term holdings. Herman says investors should research and understand what's known as the "duration" of their target-date fund's bond maturities. Funds near their target date years will better weather interest rate changes if they hold short-term bonds. At the same time, Herman notes, short-term bonds have very small yields, and investors likely will be trading return for safety.