Looking for better safety than bonds

Dear Ms. Savage,

Thx so much for your very helpful website and emails.

I’m age 65 and in retirement. I have a tiny pension (no cola and taxed but I’m in a low tax bracket) and SS which meets my monthly expenses, and then some. I also have about 5 years of cash in CDs.

I have tax-advantaged (IRAs from my 401k) index funds at Schwab as follows:
ETFs including
SCHF (Schwab International ETF) at about 6% of total portfolio
SCHZ (Schwab US Aggregate Bond ETF) at about 29% total
SCHB (Schwab US Board EFT) about 29 total
I also own SWYLX (SchwabTarget 2020), Mutual Fund, at about 34%

I also still have money at my 401k Prudential. I’m invested in Dryden S&P 500 (40%) and Stable Value Fund (60%). I just changed it 30/60 allocation.

I know you can’t tell me specifically what to do, and I don’t anticipate needing to use IRA and 401k money or the cash for at least 5 years. However, I have two questions mostly relating to bonds:
#1) What do you think about Schwab’s Short-Term Treasury ETF as a fund? I’m seriously considering moving 100% of Schwab Aggregate Bond to its Short-term Treasury (SCHO)
#2) What do you think about Schwab’s Target 2020 Index Fund and in particular its bond holdings? As you know well, it’s a diversified fund with built in holdings.

Thank you,
Julia