Discover how to build a CD ladder to strategically enhance liquidity and maximize interest. A step-by-step guide for balanced investing with certificates of deposit.

Fixed-income investors need predictable income, and one of the classic ways to receive continual cash flow from investments is to set up a bond ladder. Just like a step ladder has ever-higher rungs, ...

A CD ladder consists of opening several CDs with different maturity dates. A CD ladder's benefit is you can earn high rates and also have access to portions of your money at frequent intervals. With a ...

A bond ladder is an investment strategy that involves purchasing multiple bonds that mature at different times. The ladder analogy is an apt visual tool to describe how bond ladders work: Each rung of ...

Certificates of deposit rates dipped moderately in the second half of 2024 due to Federal Reserve interest rate cuts but have bounced back in 2025, with the best CD rates falling into the 4.5% range.

CD ladders use different maturities to maintain access to funds at regular intervals while guaranteeing a return. Short-term CD ladders are often used as part of an emergency fund strategy. Long-term ...

With close to a decade of writing and editing experience, Maisha specializes in service journalism and has produced work in the lifestyle, financial services, real estate, and culture spaces. She uses ...