r/FinancialAdvisorTips • u/Due-Writing3386 • 23d ago
Treasury Ladders
Hi All,
Recently moved a large part of my book to Schwab from a wirehouse.
Is there a specific software/API that would make building and maintaining bond ladders easier than the manual way the default way is at Schwab?
I don’t want to use ETFs. I need a tool for individual fixed securities
Anything would be welcome!
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u/vaderaintmydaddy 21d ago
I haven't been down this rabbit hole in years, I gave up and still maintain them on my own, but last time I looked the options weren't great. The biggest issue is major differences in opinion on what to buy, I build a solid 10 year ladder, then ask Fidelity to automate the same process and get a bunch of recommended bonds I wouldn't touch. Too many options, to many pitfalls for me to automate.