It also requires a lot of capital to do properly, at least several hundred thousand dollars. Most retail bond investors are better served by carefully selected bond funds - featuring low fees.Kahuna,CFA I would agree with this, if I'm going to set up 5 years worth of ladder to cover 5 years worth of expenses then I need something like 500k worth of bonds in the ladder. That's doable, but it's also a lot of money.Tony
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