I’d dropped CD laddering as a EF strategy in the last few years due to lackluster rates compared to my HYSA, but I’m shifting some EF funds into short term CDs again as rates rise. (Yes I’m maxed on iBonds.) Anyone doing the same?
[Martketwatch](https://www.marketwatch.com/amp/picks/the-feds-next-interest-rate-hike-might-be-the-biggest-in-decades-heres-one-simple-way-you-can-profit-from-that-01658506073)
The last couple years, I have been moving my ladders to Ibonds probably like you. Have to admit that if you had a ladder maturing soon, a five year treasury could be a good choice to keep the ladder going.
An alternative to CDs and individual bonds is iShares’ unfortunately-named “iBonds” series.
[These are bond ETFs](https://www.ishares.com/us/strategies/bond-etfs/build-better-bond-ladders) that essentially have a maturity date, available in US Treasury, municipal, investment grade corporate, and high yield categories. They are specifically designed as an alternative to individual bonds for the purpose of creating bond ladders.
Rates on CDs are still very pathetic imo. You make just as much or nearly as much keeping the money in an online savings account with none of the penalties. This might change if rates finally move up to something decent.
What’s up i am kavin, its my first time to commenting
anywhere, when i read this article i thought i could also make comment due to this good
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