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Old 06-22-2022, 04:58 PM   #21
Recycles dryer sheets
Join Date: Aug 2020
Posts: 208
Originally Posted by Freedom56 View Post
My ladder before this years buying binge had maturities (CDs, Corporate Notes) I never go beyond 5 years with a CD primarily because the yield premium beyond 5 years is rarely worthwhile.
I totally get this. For me I am trying to bridge "relatively" safely until access to IRA funds about 12 years. During that time I would like the pile to be secure and get as much as possible.

The 1st withdrawal comes when DW stops working between 3 and 5 years from now so not comfortable with too much of that money in mkt. What I am worried about as such say if I did not go longer than 5 years, at 5 years it all matures and I need to do something for the next 7 years with the funds and these are the best rates we see for a decade again?
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