CDS and Treasury notes are sucker bets for anybody that isn’t counting down their pile to the end of their days.
If you got a CD two years ago at less than 5.75% compounded, today, you have less buying power after paying for taxes than you did two years ago.
In the end, you’re either going to be out to early, in too late or miss the getting out anyway. Your transaction fees, and slush will leave you behind someone that just parked their money in a spider.