A bond ladder is a portfolio of bonds with staggered maturity dates. Each year, one bond matures — providing predictable cash flow and automatic reinvestment at current rates.
Bond ladders solve a specific retirement problem: matching cash flows to expenses without taking interest-rate risk. A 10-year ladder covering years 1–10 of retirement spending means you never have to sell bonds at bad prices.
A bond is a loan you make to a government or corporation. In exchange, the issuer pays you periodic interest (coupon) and returns your princ…
Treasury securities are debt obligations of the US federal government. T-bills mature in 1 year or less, T-notes in 2–10 years, T-bonds in 2…
A CD ladder splits your cash across multiple certificates of deposit with staggered maturities (e.g., 1, 2, 3, 4, 5 years). As each CD matur…
A withdrawal strategy defines how much you pull from your portfolio each year in retirement and how you adjust for market performance, infla…