No. of Recommendations: 0
Interesting idea on CD ladder. I can see the value of this with a total return rebalancing income strategy, but why would you need to do this with an income portfolio?


My thinking on the CD ladder is simple. At the end of 5 years, I'll know exactly how much money I will have. And will have plenty of time to adjust spending accordingly.

If I was just living off dividends, there is a little less certainty. Form example, I'm expecting to get $100 this quarter but Company X decreased their dividends and now I'm getting only $80. Oops, might have to cancel that trip to the beach.

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