To me the biggest difference is that in retirement, to get spending money, you can’t just sell the mature bonds in a fund and let the ladder get a foot shorter. The fund is going to let that bottom rung go, but they are going to buy bonds at the top of the duration range. With each passing year, more and more of what you’re selling for spending money is effectively way longer than you want to be selling.
You could benefit of course. Everybody talks about risk but sometimes you win when you can’t or won’t avoid the risk.
You could benefit of course. Everybody talks about risk but sometimes you win when you can’t or won’t avoid the risk.
Statistics: Posted by firebirdparts — Mon Sep 02, 2024 8:28 pm — Replies 56 — Views 4455