Lock In Rates Now Or Wait? Treasury vs Annuity Ladder: Who Wins?

Lock In Rates Now Or Wait? Treasury vs Annuity Ladder: Who Wins?

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The Bottom Line
Oct 26, 2025

Rates continue to be at decade-plus highs on average. Would a Treasury ladder or an annuity ladder pay you more and how do you build one? Plus, what other safe investments might you want to include and what do the yields look like for the upcoming T-Bill, T-Bond & TIPS auctions?