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I am wondering if I should ladder CD's at Schwab (or wherever has the best interest rate), or buy I-Bonds.
The liquidity is not important since I do not plan to use the money for at least 10 - 20 years.

However, if I can get about the same interest rate on rotating CD's as an illiquid I- bond, and given that we do not know what the future will bring, maybe the I-bonds interest rate won't be much higher than the rate of inflation. Even though I-bonds are at a good interet rate right now, maybe they will be at a less than wonderful rate in the future and then I would be stuck, so, maybe CD's are best?

If so, any opinions on which CD's are best? Any opinions on Schwab's CD's?

Thank you... Valerie
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