No. of Recommendations: 1
What I'm looking at has raw interest rates for CDs higher then Treasuries. I don't know what your local tax situation is, so that may or may not matter to you.

401 k. Taxes irrelevant until withdrawal, when whatever will be at marginal rate.

I would expect, in general, if you have access to relatively high yielding CDs (Vanguard has far better than average but not the top listed on bankrate), they should beat Treasuries of the same maturity in tax advantaged accounts, though sometimes you get anomolies.

I think in this flat rate environment, an instant ladder, per Jack's suggestion, is a reasonable choice. I think when there is a steep yield curve, an instant ladder and hoping rates will go up soon is probably a losing proposition (been there, done that).

You might want to hold out until October (money market rates aren't bad) and see where trips are at for the next auction. You won't knowif you are getting 5.3%, but you will know how much you are getting above CPI-U.
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