No. of Recommendations: 1
FlaBuckeye asks,

I'm seriously considering starting a bond/cd 5 year ladder.
Question is: Why would you consider using T-Notes at all vs
a FDIC insured company CD? 5 Year CDs are around 4.5 -4.8% (ING)
vs only 3.348% for the last T Note auction.

I agree. I haven't bought a Treasury note for my bond ladder in over 3 years. It's almost all CDs now.

Anyone have better instruments to build a ladder?

You might consider TIPS or I-bonds. Anything else will have more credit risk than an FDIC-insured CD.

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