Building a Better CD Ladder Online

With many baby boomers saying “never again” to stock market risk, interest in low-risk investments is increasing. One safe investment strategy being followed is CD laddering. I’ve learned about an online tool that can make it easier to build and optimize a CD ladder. Read more

Use a Treasury Ladder to Control Inflation and Interest Rate Risks

Inflation and interest rates are destined to change in the coming months, perhaps radically.  These potential  changes present significant risks to baby boomer investors.  A CD ladder is often used as a safe way to control interest rate risk.   A ladder of Treasury Inflation Protected Securities (TIPS) can provide both interest rate and inflation protection. Read more

Building a Retirement Emergency Fund

Let me start by saying that a retirement emergency fund is different from the “cash flow” emergency fund that Dave Ramsey, Suze Orman, and many others have been counseling us all to have.

Every book and article on basic personal finance cautions baby boomers and other working adults to have an emergency fund equal to three months to a year of basic living expenses. Read more