Group 1 - The article discusses the importance of refreshing bond portfolios, especially in the context of tax-loss harvesting as the year ends, providing an opportunity for investors to reinvest in bonds [2] - The Federal Reserve is facing uncertainty regarding interest rates and inflation, which impacts the yield curve and suggests that a bond portfolio refresh could enhance flexibility and transparency through bond ETFs [3] - The growth of the ETF landscape has expanded options for investors to create customized bond allocations, with active bond ETFs offering advantages over traditional mutual funds [4] Group 2 - The Avantis Core Fixed Income ETF (AVIG) is highlighted as a strong option for bond portfolios, charging only 15 basis points and investing in a diverse range of debt instruments [5]