Post #878 by hedgehog444 on the Retirement Investing board

Personal Finance Topics / Retirement Investing

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I think using the shorter terms to ladder may make more sense in the event of an emergency.

I was thinking something similar. Say at age 70 you buy a quarter with a 20 yr maturity, another quarter with a 10 year maturity, and the rest as 5yr. I think(?) that you can fake a 20yr by getting a 30 yr that was issued 10 years ago? But I'm still wrapping my head around it. The coupon rate would be pretty low for the 5yr but you would get the larger of your initial value or the inflated value, which is the real goal. Unlike with a deferred annuity you can sell at any time (with some loss), so it still feels like a win.

Rgds,
HH/Sean

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