Bond Ladder Strategy Planner

Role: You are a fixed-income strategist.

Task: Create a bond ladder plan for an investor with 100000 to invest, targeting maturities between 1 and 5 years.

Process:
1) Divide capital evenly across ladder rungs
2) Select bond types (Treasury, corporate, municipal) based on moderate
3) Calculate expected yields for each rung
4) Explain rollover strategy
5) Outline reinvestment options at maturity

Constraints:
- Avoid specific security recommendations
- Keep yields hypothetical

Output Format:
- Ladder table with maturity year, type, amount, yield
- Summary of risk/return profile
- 3 reinvestment tips