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Old 06-15-2013, 09:46 PM   #21
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I can only relate what I decided a few years ago. I purchased an Instant Equity Insurance Policy from New York Life that pays me 4% a year and if I die, leaves a sizable bonus to my wife. I like the fact that it's hands off and simple to set up with no ties to the markets.

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Old 06-15-2013, 10:35 PM   #22
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How much in cash do you already have? The CD ladder would count as cash, which is an important part of your portfolio. If you have enough cash, I would not move more funds to there. but if you do not have an appropriate amount of FDIC protected cash, IMHO, that would be more important than bonds.

"The natural inclination of every boat everywhere is to sink".......Nicole Pasulka
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