Join Early Retirement Today
Thread Tools Search this Thread Display Modes
Old 11-25-2008, 09:24 AM   #21
Recycles dryer sheets
SteveL's Avatar
Join Date: Aug 2005
Posts: 380
Just checking this am:
Capitalone 60months 5.07
Nationwide 4.5
Usaa 4.5
Via Schwab Brokerage, Morganstanly 5 Goldman sachs 5
SteveL is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 11-25-2008, 09:32 AM   #22
Recycles dryer sheets
SteveL's Avatar
Join Date: Aug 2005
Posts: 380
If you are setting up a ladder, say 5 years, with equal amounts each year, when you begin, you will have some maturities that are lower in rate. The trade-off is that at maturity, you can reinvest at the then current rate for 5 years out. I've been doing this since 2001, and it feels safer than bond funds. Over longer periods of time, your average rate will lag the current 5 year rate, either lower in times of rising interest rates, or higher in periods of falling rates.

Laddering assumes no need for the funds between maturities.....
SteveL is offline   Reply With Quote

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Similar Threads
Thread Thread Starter Forum Replies Last Post
Explain a CD ladder please utrecht FIRE and Money 41 06-19-2009 09:45 PM
Bond Ladder Budman FIRE and Money 12 09-28-2008 01:39 PM
CD Ladder Opinions Please Puppy Belly FIRE and Money 78 01-23-2008 05:15 PM
CD Ladder vs. MM setab FIRE and Money 6 05-12-2006 11:10 AM
How Long is Your Ladder? wabmester FIRE and Money 15 02-02-2004 08:20 PM

» Quick Links

All times are GMT -6. The time now is 03:52 AM.
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2021, vBulletin Solutions, Inc.