I agree with Pete.  I will be 50 this year and have about 15% in TREA now; planning to raise it to 20% (possibly more) over the next decade. 

I am parking a small amount in Traditional, with the idea of moving some in the ILB and TREA when the time seems right.  ILB is my only bond fund, except for the bonds in Social Choice.  I am using TREA and Social Choice, plus some smaller amounts in ILB and Tradtional, to diversify and stabilize, but with lots of Stock, Growth and Income, and RWIFX, I am not doing all that well this year overall.  Still, I am hanging in there and am very glad to have been in TREA!