Q: I hold the Franklin Quotential Diversified Income Portfolio Series F (TML3253) mutual fund in my RRSP. It accounts for about 10% of my entire portfolio. I pretty much ignore it, mostly because I find bonds hard to understand. Do you think retirees need bonds in their portfolio if they hold a lot of dividend stocks and funds like FIE and EIT, plus keep a years worth of cash to live on outside of the market? If yes, would you continue to hold this fund or move into a bond ETF? And what ETF would you suggest? And if no bonds, what would you suggest moving the fund into? Thank you.