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"A couple of years ago I had several brokered-CDs in my self-directed IRA. I was quite happy with them. Are they a good way to go for building a ladder of CDs these days?


Maybe it's just good timing, but I'm fairly satisfied with the CD ladder I've built in my traditional IRA using Charles Schwab's brokered CDs. I started it a couple of years ago and I've got rates ranging from about 3.65% to 4.95%. When this year's CD matured, though, I replaced it with an investment grade corporate bond yielding 7%. I suspect more bonds will creep into my ladder if interest rates don't start to rise again soon. This may be more risk than you want in your fixed income ladder. I've set mine up to fund a SEPP even though I'm not yet retired. YMMV.

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