fixed income tools
Portfolio Builder
This Portfolio Allocation Tool helps you design a clear, liquidity-aware plan for your cash and fixed-income holdings. Enter a total portfolio value, then use the sliders to assign percentages across categories like Cash, Money Market Funds, Treasuries, CDs, Municipals, Corporates, MBS/ABS and more - organized by Immediate, Short-, Medium-, and Long-Term horizons. As you adjust, the tool automatically rebalances to 100% and instantly converts percentages to dollar amounts, while the interactive charts (bar or concentric pie) visualize your mix for quick diagnosis of concentration and gaps. The result is a fast, transparent way to build or refine a laddered allocation that aligns available liquidity with your spending timeline and risk tolerance.
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This tool is not an offer to sell any product or service. It is solely for illustrative purposes and to help you with your asset allocation needs.
CD Laddering Tool
This CD Ladder tool helps you plan and fund a staggered schedule of CDs to balance yield and near-term liquidity. Choose a ladder periodicity (in months), then enter dollar amounts for each rung; the tool sums your total, computes a weighted-average yield, and calculates the ladder’s end date in years and months. As you input amounts, it retrieves available CD options from the connected rate sheet and populates each row with the current rate, CUSIP, bank, maturity, settlement date, investable amount (respecting per-bank limits), and coupon frequency. A live bar chart visualizes how much you’re allocating to each month so you can quickly see concentration, fill gaps, and fine-tune the ladder to your targets.
This tool is not an offer to sell any product or service. It is solely for illustrative purposes and to help you with your asset allocation needs into brokered certificates of deposit.
CD Portfolio Optimizer
The CD Portfolio Optimizer helps you turn a target investment amount and desired average duration into a diversified ladder of non-callable CDs. Enter your notional and target duration (in years), and the tool pulls live CD issue data, filters for maturities that fit your horizon, and allocates in $1,000 increments while capping exposure at $250,000 per issuer and avoiding duplicate issuers. It then calculates and displays your key portfolio metrics like the issues selected, total allocated, remaining cash, weighted-average term (years and months), and weighted-average coupon, along with a year-by-year interest cash-flow chart and a detailed table of each selected CUSIP (amount, term, coupon, price, YTM, maturity, issuer, and settle date). The result is a clear, rules-based CD allocation aligned to your duration target with transparent, auditable outputs.
This tool is not an offer to sell any product or service. It is solely for illustrative purposes and to help you with your asset allocation needs into brokered certificates of deposit.
