Personal Investments • 8-year fixed income ladder suggestions

Planning to retire mid-2025 at age 61+. My biggest concern is sequence of returns risk. I am leaning toward selling a farm I inherited in another state (separate post on that). The net proceeds would be very close to our projected expenses the next 8+ years before SS kicks in for us both (ages 70/62). At that point SS will pretty much cover our ‘needs’, so our retirement accounts only need to cover ‘wants’ and ‘wishes’ and will have grown for another 8 years untouched. That helps with my SORR angst.

So now my question. If you had a lump sum in a taxable account to cover your next 8 years of expenses, how would you structure that? I am familiar with the ladder concept, but looking for suggestions on security types: T-Bills, TIP’s, CD’s, Bonds, etc. Maybe a mixture of all those? Which are best for the different time horizons for an 8 year period?

Statistics: Posted by Sandtrap — Thu Oct 17, 2024 9:49 pm — Replies 10 — Views 845