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Subject:  Re: Poll: Investment style Date:  4/16/2013  12:47 PM
Author:  gdett2 Number:  72052 of 88011


Sorry. I guess I did not detect the wry twist of the quotes on ladder. ;-)

I thought about making a CD ladder when I retired in '05. We never did it since we always seemed to have our expense cash covered. We did some trimming of positions and took most dividends as cash at times.

After 2009, I pretty much decided the ladder would not be needed. We had enough cash and our IRA assets became available without the 10% penalty. We have our original IRAs from 1982(21% of our portfolio) that earn very nice interest. We can make a withdrawal and have cash in 3 days from there if needed. That works for me.

Currently, most of our dividends are in IRAs and we haven't withdrawn any funds from them yet. Our dividend core is 24 companies.

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