Thanks for all the great comments everyone. Much appreciated.
I'm leaning towards laddering a 20 year and a smaller 30 year. I think it will give the most bang for the buck.
placeholder wrote:Few custodians are allowed to provide Vanguard Index funds in Admiral class and the Schwab page for that says "Institutional customers only":
Stoutboy wrote:That Schwab .90 ER seems high to me. You could get the same at Vanguard for .19 Over time, that will mean tens of thousands more in your account.
retiredjg wrote:Once you answer the questions above, it will be easy to make a portfolio suggestion for you.