No. of Recommendations: 3
In my 401k and Roth investments, I'm wondering if it's worth my while to establish a cd ladder. From my understanding of inflation, it doesn't make sense to put money into an investment that returns less than the current inflation rate. My ultimate goal with the ladder is to have it grow to the point where i have a cd due every month. At the present time, i'll just roll it over because i don't need the money. But in about 30+ yrs, i'd like this to become another source of income as i approach retirement. Any suggestions/comments?


OK, you aren't going to retire for 30 years, right?
Do you have a steady source of income?
Do you have a fund for irregular planned and unplanned expenses?
Do you have disability insurance?
Do you have an emergency fund for job loss?

At this point, a CD ladder is probably premature for you.

What I need one for is because we are retiring and will need a steady source of income in case the stock market is down when we need money. We have some bonds that were selected to come due when our children would be entering college.

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