Post #295 by mechinv on the Retirement Investing board

Personal Finance Topics / Retirement Investing

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I don't think a bond fund is appropriate for short term living expenses, and "a diversified set of stock funds" screams high expense ratio and trading costs.

I agree that expense ratios are a consideration. I use VOO for the bulk of my stock portfolio, but also own quite a bit of QQQ, and have some LTBH stocks like MSFT and AMZN. For dividends with the hope of some growth, I currently own Manulife (MFC) and some UK and Brazilian banks.

... I am considering doing a laddered CD structure (which is relatively safe, and sometimes you can get CDs that pay significantly higher than inflation).

Yes, instead of CDs, I use Schwab's US Treasury Money Market fund (SNSXX) which currently yields 5%, and pays the interest monthly. So no need to create laddered CDs.

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