COcheesehead
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
My asset allocation is driven by a number of portfolio modeling tools including FireCalc. I am overfunded for my goals. I still have seven figures in equities for long, long term needs. My ladder was built to fund a bridge to social security and now over funds that goal by a lot.My ladder is currently invested, but as I have previously mentioned, about 50% is maturing here in early 2023. Good or bad, that was the time I planned to start laddering out longer term (up to 10 years). If I recall, you are mostly invested in bonds as opposed to equities? In my case, I am still almost 70% in equities split around 55/45 (after tax/tax deferred accounts), although I did start Roth conversions this year. Getting tax strategic with my account types and incorporating munis is next on my agenda. As someone who will lean on their equities for long term growth and is using their bond ladder for predictability, I am just trying to underwrite the appropriate risk and diversification profile for my bond allocation.
If you are looking for predictability than you have to look towards non callable or call protected assets. Frankly I never worried about a call. Even when rates were lower, I always found yield. I manage my ladder more by how much cashflow it generates with its yield percentage being secondary.