I've decided to start a bond/GD ladder with individual Treasuries and CD's in the very near future, probably next week. Starting with as short as 3 month Bills and increasing the maturities to 6, 9, 12 months and then 2-3 year possibly longer depending on interest rates. I don't like the loss of control that funds and ETF's give me! I still have some longer term funds that I'll likely sell when the time is right.
I've decided to start a bond/GD ladder with individual Treasuries and CD's in the very near future, probably next week. Starting with as short as 3 month Bills and increasing the maturities to 6, 9, 12 months and then 2-3 year possibly longer depending on interest rates. I don't like the loss of control that funds and ETF's give me! I still have some longer term funds that I'll likely sell when the time is right.