Hi, Shrewd!        Login  
Shrewd'm.com 
A merry & shrewd investing community
Best Of RIBest OfAll BoardsThe Shrewd’m WeeklyLearn to InvestHow to Become Shrewd
Search
Shrewd'm.com Merry shrewd investors
Search
Best Of RIBest OfAll BoardsThe Shrewd’m WeeklyLearn to InvestHow to Become Shrewd


The week's question
In December 2024, in the thread "Re: BRK: Why Not XOM?", BreckHutHigh asked the members: "What about the long road trips with kids?" This week it is put to everyone again. The button below opens the small thread re-asking it - read what others have said so far, then give your own answer as an ordinary reply.
Answer this questionContinue to Shrewd'mThis note won't appear again
Personal Finance / Retirement Investing
Unthreaded | Threaded | Whole Thread (9) |
Author: richinmd   😊 😞
Number: of 1282 
Subject: Re: Generalized fixed income news - ladder rebuild
Date: 02/17/26 8:03 PM
Post New | Post Reply | Report Post | Recommend It!
No. of Recommendations: 2

You could look into MYGAs. Multi-year guaranteed annuity. They are CD like in many ways in that they accumulate interest for "x" years and then you can transfer the money into whatever account you want. They are NOT insured by the FDIC although state insurance will cover them up to a certain dollar level so it is best to invest in higher quality companies.

I'm not fond of insurance companies so I reluctantly invest in a few of these and usually for 3 yrs although I do have one 5 yr term all paying 5%+ per year.

You can see rates at places like immediateannuities.com

At the bogleheads forum they have a long thread with a lot of useful info and an ex-insurance executive who answers questions and he isn't someone who pushes most insurance products (he is anti-variable annuities for example).

Definitely worth looking at depending how much you are investing. You can still get 5% from some A- rated companies for 3 yrs. I used them along with a bunch of treasuries (nominals as well as TIPs) for my fixed income investing.

Rich
Post New | Post Reply | Report Post | Recommend It!
Print the post
Members reply directly to richinmd here — and replies get answered. Reading is free; so is joining the conversation. Join Shrewd'm »
This community has written 1,215 posts about Retirement Investing. The article-length ones it recommended most:
The Case for Long-Term Buy and Hold Investing · 49 recs · 2025
Transferring assets to the next generation · 20 recs · 2025
Retirement Year 8 · 17 recs · 2025
(nearly) year one of retirement has been good · 11 recs · 2026
Buying Treasuries Via Vanguard · 10 recs · 2023
Unthreaded | Threaded | Whole Thread (9) |


Announcements
Retirement Investing FAQ
Contact Shrewd'm
Contact the developer of these message boards.

Best Of RI | Best Of | Favourites & Replies | All Boards | Followed Shrewds | Open Questions | Moving a community