Using Bond Ladders to Create a Personal Pension Is Getting Easier

Expert Opinion October 31, 2025 at 01:27 PM
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What You Need To Know

  • Retirees who see fixed lifestyle costs as a future liability will need to allocate a portion of their portfolio to less risky assets that can be liquidated.
  • With a Treasury bond ladder, retirees know exactly how much they’ll need to set aside to fund that liability.
  • An inflation-protected annuity could allow a retiree to set aside less money to fund basic expenses.
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