when to use CDs

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  • Avatar Brains428 
    Status: Physician
    Posts: 466
    Joined: 11/09/2017

    Thanks for all the replies.  I currently have my 15% bond allocation split between Fidelity Total Bond index (my choosing) and Baird aggregate bond index (what’s available in my 457b). I have read about CD ladders and didn’t really understand why anyone would use them because of the limited liquidity and similar returns to HYSA.


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