No. of Recommendations: 1
The idea of the ladder is not to buy everything when interest payments are lowest. If you have a 5-year ladder, then when a bond matures, you take the money and buy another five years out, achieving exactly the goal you wish.
An exception is when 15-20 year bonds are paying much higher interest than 5 year bonds, and you are SURE the rates will not go higher and want to lock in that yield for that long a time.

Best wishe, Chris
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