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Can you elaborate a bit on what you mean when you say "you might consider a municipal bond fund instead of these taxable fund, although it should still be short or intermediate term." I'm in a high tax bracket, combined with my wife's income, and I have absolutely no idea how that should, if at all, alter our strategy today.

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muni coupons can be triple-tax-free, which is a huge boost to returns if you live in a locality with high state and/or city taxes.

i think this might be moot if you are in the amt, but if you have enough investments for this to be a big issue, you should be asking a tax attorney or a real financial adviser or something.