For these reasons and for the sake of simplicity, bond funds are the way to go for most individual investors as opposed to buying individual bonds. (awealthofcommonsense.com)
If you choose any one of these options and stick with it, you will already be well ahead of most individual investors. (money.stackexchange.com)
Most individual investors don't really need to understand the inner workings of ETFs. (commodityhq.com)