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I am attempting to manage my own IRA (as well as my wife's) and a smaller brokerage account. I have been doing my homework learning about asset allocation, diversification, re-balancing my portfolio, etc. I am interested in constructing a CD Ladder.

I have found some interesting and informative articles and I think I understand the concept and how to set one up. I have seen very little, however, on which interval is optimum. I've seen everything from three-month intervals to six-month intervals to one-year intervals.

I am curious as to whether the choice of a particular interval is solely a matter of preference (relative need to liquidate the funds) or a function of the interest rates that become available, or both. I know the longer the maturity date, the higher the interest. I guess my question is whether there is any substantive financial basis for determining the optimum interval? (FYI, I have no need or intent to touch the IRA funds over the next 10-15 years so liquidity is not an issue.)

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