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No uninsured financial instrument is bulletproof. But that doesn't mean you should rule out all funds that invest in short-term bonds and bank loans. Yes, a few short-term bond funds lost more than 20% last year during the credit crisis. But for the most part, the types of funds designed to yield a few percentage points more than certificates of deposit and money-market funds without great swings in net asset value (or NAV, a fund's share price) have kept up their dividends. And as credit conditions improve, NAVs are recovering.