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Old 05-06-2016, 09:50 AM   #21
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I've heard good things about SCHD, but like you said in one of your comments the price is on a higher end now, hence the yield would be lower. This would be an option if you prefer an easier way than picking separate questions.
But first you'd need to convince your wife as it's her inheritance you're talking about. I don't think it's worth arguing about it though. If planning to retire early this money could be your funding for 2-3 years which would allow you to make bigger 401k to TIRA to Roth IRA conversions.

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Old 05-09-2016, 05:30 AM   #22
Recycles dryer sheets
Join Date: Jun 2014
Posts: 425
Originally Posted by Sunset View Post
You can get 2% cd at Ally for a 5 yr term and it's FDIC insured.
Should rates rise quickly, it can be cashed with a 6 month interest penalty.
Which makes the rate if you cash it:
Bank Name

Term (months) 60 mo APY2.00% Penalty (months) 6 mo
1 Year 1.01%
2 Years 1.52%
3 Years 1.68%
4 Years 1.77%
5 Years 2.00%
I basically "moved" half of my bond allocation to an ally CD ladder for similar reasons. I'm not a fan of municipal or corporate bond funds and federal bonds pay so little. I don't like buying individual bonds and even with the super low expense rations bond etfs are so low on the return side it just doesn't make sense to me.

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Old 05-09-2016, 09:38 PM   #23
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Since the market is in the midst of trying to make it’s mind up as to whether it wants another leg of a bull market or has had enough, to put money into stocks with a spouse who has clearly stated they do not want to lose money indicates that if the market were to fall, the plug would be pulled on investments so that would be a non starter for me.

I would suggest taking $15K and adding rungs to 5 year CD’s and putting 5K into a stock index funds as that would protect 75K of the investments and most likely the spouse could tolerate that type of loss if the CD income could make up the difference. As the income continues to come in perhaps you could invest that into more funds as time goes by.

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