US 2028 Treasury Bond Ladder

Bond ladder 2028: equal amounts 1-5 yr T-bills. Reinvest each maturity at long end. Smoothes interest rate risk + provides liquidity.

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Treasury bond ladder 2028: equal portions in 1-5 year (or 1-10) T-bills/notes. Each year, the shortest rung matures and reinvests at the longest term. Smoothes interest rate risk, predictable income, state-tax-exempt. ~4-5% yields 2028 depending on Fed policy.

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Last updated May 2026. Sources: TreasuryDirect.