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How about a combination of Wellesey and one of the Vanguard Target Retirement funds depending on desired equity allocation for some additional international, total stock and bond market exposure?

Yes get an additional 5 basis points so 3.05 APR if have AAA. I too have heard of customer service concerns but then some good ones as well. Guess depends on instance and specific case. I still though have some concern whether Discover could potentially change the EWP mid-stream if rates...

Yes that is the major concern and the key is being able to terminate the long term CD with the early withdrawal penalty of "only" 9 months simple interest if inflation and interest rates increased over the term.

I took the liberty of evolving the definition to also include forum associations! :greetings10:

Any colleague perspectives on whether the 10 year Discover CD at 3.06APR makes sense to consider with it's 9 month simple interest early withdrawal penalty if rates were to rise versus say the much shorter Ally 5 year CD at the present 2.11 APR with only 60 day EWP or another potential low...

Colleagues, I was referred to this forum from a fellow Boglehead after posting the following early retirement question. I received highly valuable input from many esteemed Bogleheads colleagues but thought it would also be beneficial to gain some of your ER forum thoughts with this group's...