Bond yields are rising, with 30-year and 20-year Treasuries around 5.03% and 5.02% and the 10-year at 4.42%. Investment-grade corporate bonds add spreads, making scenarios like 6.5% to 7.5% plausible. Inflation appears to be cooperating, with real yields on 30-year TIPS at 2.74%, supporting long-bond purchasing power. Stocks have delivered strong long-term returns, but sequence risk can harm investors who need money at a specific future date. A CD laddering approach spreads maturities across multiple time points, converting cash availability into planned intervals. Bonds can lock in a known maturity value for a target date.
"“if I was able to get, you know, 6.5%, 7%, 7.5% off of a bond, that's creeping pretty dang close to something like an expected market return.” That is the whole thesis in one sentence. When a guaranteed coupon starts approaching what equities have historically delivered, the risk-adjusted choice gets interesting fast."
"“As of May 12, 2026, the 30-year Treasury yields 5.03% and the 20-year yields 5.02%. The 10-year sits at 4.42%, in the 87th percentile of its 12-month range. Investment-grade corporates layer a spread on top, which is how Evan's 6.5% to 7.5% scenarios start to materialize.”"
"“April CPI came in at 332.4, with the Fed funds upper bound holding at 3.75% since December 12, 2025. Real yields on 30-year TIPS are running at 2.74%, meaning long bonds are paying genuine purchasing power, not just inflation offsets.”"
"“Put your money into a bunch of different CDs that will mature at different points in the future” so cash becomes available at 1, 3, and 5 year intervals. For a planned purchase, bonds let you “lock in that rate and be absolutely certain what that money is going to mature into at X date.”"
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