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Old 06-15-2013, 10:46 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, 11:35 PM   #22
Thinks s/he gets paid by the post
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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.

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