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what do you rely on for investment income?

Thought I'd reply to this one in a separate post. This is something I'm very interested in hearing what others are doing. Over the years I've set up some bond ladders and CD ladders through my brokerage firm. I'm a little apprehensive about the bonds lately in case interest rates should begin to move up (where else can they go?). The CDs are currently are paying next to nothing. I've also set up a couple of CD ladders at local credit unions, which tend to pay better than the rates available on the brokered CDs, but then they necessitate going into the credit union occasionally in person. My brokerage firm is always sending me information on annuities but I'm leery of them.

So, short form of the answer: CD ladders, bond ladders.
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