No. of Recommendations: 1
<Question is....Ladder myself or Active Management for .5% >

I would say, without a shadow of a doubt, that you should manage your own ladder.

In a low interest rate environment, 0.5% is a major portion of the income. And make no mistake -- we will be in a low interest rate environment for safe investments for at least a few years.

As an individual, you have access to advantaged fixed income investments, such as bank and credit union CDs and I-Bonds (if they ever become sweet again), which the investment professionals can't touch.

These have provided us with a higher yield than the Treasury bond index. Since we hold to maturity, we always get our principal back.

To get a higher yield than Treasuries in the market, the bonds have higher risk.

It's not that hard to set up a bond ladder yourself. Please feel welcome to run your ideas past the Bonds Board.

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