bond-ladder-plannerlisted

# Bond Ladder Planner Read-only. `reference/READ-ONLY-POLICY.md` (hard rule) and `reference/RESEARCH-STANDARDS.md` (bond framework, external-source and freshness rules, disclosure) apply. Where `bond-analysis` judges one instrument, this plans the set. Works over whichever broker(s) `BROKERS.md` names active — resolve any capability against `reference/BROKER-CAPABILITIES.md`. No broker configured there exposes direct-bond holdings: the inventory, tenor preference, credit floor, and reinvestment default all come from the **Fixed-income inventory** section of `PORTFOLIO-PLAN.md`. Debt funds come from there too, unless INDmoney is active and covers them (see **Tool availability** in `reference/RESEARCH-STANDARDS.md` and the unverified-row caveat in `BROKER-CAPABILITIES.md`). ## Steps 1. **Assemble the book.** Direct bonds/NCDs/FDs/SGBs from the plan's inventory (issuer, amount, coupon, maturity, rating) — if empty or stale, offer `portfolio-plan-builder` or get the list from the user; never invent an inventory. Debt funds from the same section, noting category, duration profile and credit quality — fund facts web-sourced and labelled, since the MCP has none. Total the book against the plan's fixed-income target %. 2. **Ladder view.** Bucket by maturity year (funds by duration bucket: liquid/short/medium/long). Show ₹ maturing per year and the weighted average yield locked per bucket. 3. **Curve context.** `WebSearch` for the prevailing G-Sec curve a